“Disaster means a progressive or sudden, widespread or localized actual or imminent occurrence of a natural or human-caused occurrence, or by accident or negligence which results or can result [in substantial loss of life or human suffering] or damage to, and destruction of infrastructure or, property, or damage to or degradation of environment arising from, but not limited to – (a) a flood or tidal waves, (b) a drought, (c) an air disaster, (d) a maritime disaster, (e) a major civil accident (such as a major fire or bush fire or explosion), (f) man-made disasters such as, but not limited to, industrial accidents, oil spillage, mass movement of persons who are internally displaced persons or refugees or (g) a pest and insect infestation (h) a plague or epidemic, (i) disease disasters; or (j) any other similar natural or manmade event; and is of a magnitude that exceeds the ability of those affected by the disaster to cope with its effects using only their own resources;