Actually there is a version of the PP that covers accidental damage but I believe a natural disaster would go under "acts of God" and they would not cover it.
I just got thru with a huge argument with my home insurer. When Sandy hit (could have been the storm before it, not sure) my meter pan began flashing across the stabs and I had to put a new electrical panel in my house quickly, before the house burned down. Cost a bit less than 5 grand. After the installation I called my insurer and was told it was an act of God. Called back a few days later and got the same answer. OK, losing 5 grand isn't that big a deal with me, but it really aggravated me.
I waited and waited for them to ask me for something and it finally happened a couple months ago. They wanted me to put my car insurance under them. Called them up and asked if every accident was considered an act of God and told them to shove the car insurance idea. They just kept sending them and we got the house insurance renewal. I called up to tell them we'd be going with another carrier and quickly got transferred to their Claims department. First question I asked was, "are you religious?" and the CSR said she was. I then explained what had happened and was told that was ridiculous. Not according to your people, 2 of them told me it was an act of God. She explained how things work with home insurance and there really isn't much that's called an act of God. Had my 5 grand back within a week.
Think about this: If you believe in God, how can anything not be an act of God?