Possible Clues:

• Result of natural causes
• Uncontrollable natural event like earthquake
• Disaster often not covered by insurance
• An insurance policy may not cover it (3 words)
• Event outside human control
• Creation, say, of sudden and natural occurrence
• Earthquake or flood, e.g
• Finding fag end in fancy cat food is a catastrophe
• Uncontrollable natural force
• Terrible event, perhaps -- in fact good, strangely