Possible Clues:

• Events beyond human control
• Book about Mercury, say, that atheist doesn't buy?
• Laws from grand old Democrat producing unavoidable catastrophes
• Following trail back on rocky coast leads to disasters
• Insurance may not cover them
• In past, cost changed following day (they don't allow for compensation)
• Hurricanes and tornadoes, in insurance policies
• Inevitable accidents caused by cat and dog scuffling around settee mostly
• There's no escaping these bits of divine plays?
• Floods and earthquakes, in legalese (3 words)