Vis major is a Latin term meaning superior force, describing an irresistible natural phenomenon that causes damage or destruction.
These events are not caused by and cannot be prevented by humans, even if they exercise the utmost skill, caution, diligence or prudence.
Examples include hurricanes, tornadoes, floods and earthquakes, which can also be called natural disasters.
Insurance policies may or may not cover losses resulting from a major incident, so it is important for the insured to review the policies in their entirety.