Possible Clues:

• Catastrophe that cannot be insured against
• Clash of cat and dog outside related to squall?
• Non-insurability clause, a result of natural forces
• Natural disaster, legally
• You won't get insurance for this in the flood
• Unexpected result of natural forces that could not be prevented
• Force of nature brought to skin of frog, stuffing a fish
• Hurricane or flood
• Person on stage isn't finished with loud man upstairs and that's why there's no cover charge
• Natural catastrophe, force majeure