"Act of God" is the accepted term for a natural catastrophe that voids the force of an insurance contract. "Force majeure" (pakkotilanne) has a different connotation as the obstacle may not be due to nature but to some circumstance such as a strike, illness, etc. The practice of voiding an insurance contract because of an "Act of God" is cleverly rebutted in the Australian movie: "The Man who got even with God" starring Billy Connolly. The owner of a house destroyed by lighting argues that there is no such thing as an "Act of God".