explain the act of God
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An act of God describes an event outside of human control or activity. It's usually a natural disaster, such as a flood or an earthquake. Insurance policies usually specify which particular acts of God they cover.
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In legal usage throughout the English-speaking world, an act of God is a natural hazard outside human control, such as an earthquake or tsunami, for which no person can be held responsible. An act of God may amount to an exception to liability in contracts (as under the Hague–Visby Rules)] or it may be an "insured peril" in an insurance office
By contrast, other extraordinary man-made or political events are deemed force majeure.
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