I do get 'force majeure' but please don't tell me there are actually paragraphs that include a wording like 'act of god'
It's a standard legal term which used to be very common but is probably used less now - I believe you could loosely translate it as 'natural disaster', i.e. storm, flood, earthquake, etc.
It was a common exclusion on many insurance contracts, but of course the reality is that pretty much all natural disasters
are insurable, but they might be quite expensive - particularly if you are trying to insure against an eventuality that is not that unusual in your part of the world...
IME most modern insurance policies tend to spell out what they exclude in plain language, but YMMV.
roy
EDIT: And actually, in modern insurance policies, some of the exclusions that are hardest (but not impossible) to avoid are very clearly acts of man. War, riot, and terrorism would be obvious examples of things that most (but not all) policies exclude from their cover.