I wonder why on a lot of legal term in English country using "Acts of God" as an events outside human control?
As an Indonesian, I think everything that happens in this world is an act of God. And it reminds me one of The Simpsons episode "Sky Police" which Chief Wiggum crash to a church and the insurance companies won't cover it because Reverend Lovejoy said it's an "acts of God."
Why not use the term "natural disaster"? In Indonesia, if you say it's a natural disaster, the company cannot be blamed for a mistake they've made, like "Lumpur Sidoarjo."