Explain that to the insurance agency

[Matuchkin]

"We need a crane. Can you get us a crane? Don't ask why."

You press the launch button, and convert into a dodecagonal plane in the 36th dimension.

[Snowstorm]

The engineers thought lighter ships would be better, and therefore jettisoned all the fuel.  

 

 

All the decouplers were accidentally filled with implosion grenades.

[mikeman7918]

"You said you wanted to get rid of the first stage, you said nothing about preserving everything else."

The launchpad collapses under the weight of your massive rocket.

[Snowstorm]

We were giving the launchpad a stress test.

 

We forgot to add controls to the command module.

[Guest]

The package said that everything was included!

The Magic Boulder appears right on top of your rocket.

[cubinator]

There was some magic dust on the launchpad.

The KSC has moved to the other side of the mountains.

[mikeman7918]

The crawler we use to transport rockets to the launch pad rebelled and moved the space center.

A rocket lifts off while still inside the VAB.

[Snowstorm]

We were testing the structural integrity of it in case of a malfunction.

 

Jeb  accidentally  pushed the button that jettisons the snacks into cold, dark, space.

[SmartS=true]

We want to see if starvation is different in space. Don't worry, Jeb will get back before he dies... We think.

The livestream of the Duna landing was hijacked and replaced with pictures of a kerbal that Danny had a little too much "fun" with.

[mikeman7918]

Our white hat hackers lost their white hats and they wer busy trying to find them.

Your Duna rover looses a wheel.

Edited February 3, 2016 by mikeman7918

[Matuchkin]

"There any dealerships 'round here? Garages? No?" *Looks around*

You launch your rocket. You then see your technician running at you, holding...

... the control system that was supposed to be on the rocket by now.

[Delfinus]

The guy who was supposed to check to make sure the Control System was installed was on holiday.

 

Your Duna rover randomly disappears, leaving only the wheels behind (happened to me once).

[Bev7787]

It's your fault for inventing the aliens to have a party

 

You find a habitable planet named earth

[GeneralVeers]

Since the formation of planets from stellar debris fields is a natural event (see Appendix D for definitions of "planet", "debris", and "is"), and the evolution of life on such planets is also a natural event, it can be inferred that any assault, robbery, harassment, construction accidents, political scandals, incidents of libel, wars, terrorism, accidental creation of supervillains via radiation exposure, or other injuries or damage stemming from any activities of evolved life forms on this planet (referred to previously by Plaintiff--who shall be henceforth referred to as "Bev7787", abbreviated to "Bev" for purposes of concise legal descriptions per subsection 48-7S--as "Earth") are also natural events and therefore covered under the standard policy as injury or damage stemming from a natural event.

 

Your spaceships suddenly seem to be composed of entirely different parts than you remember from six months ago.

[Guest]

Someone was messing with the craft file. 

Scott Kerman accidentally shows his stream key, and his stream is hijacked. 

[mikeman7918]

It was because the stream was very bugged.  (Maybe the kraken getting revenge)

your launch escape system misfires.

[Delfinus]

The ground crew thought that the part of the instructions that said to fill it with solid rocket fuel meant to put normal rocket fuel in it's solid state into it, so they filled it with Ice.

 

The Launchpad explodes when your Mun rocket is placed on top of it. (happened to me today).

Edited February 5, 2016 by DolphinDude3

[Matuchkin]

"I meant 50 tonnes of fuel + 100 tonnes of oxidizer! Not 50 tonnes of fuel x 100 tonnes of oxidizer! YES, Joe, YES THERE'S A DIFFERENCE YOU DOLT"

The universe gives up on your Whackjob crap and decides to end everything the quick way.

Edited February 5, 2016 by Matuchkin

[mikeman7918]

The end of the universe is technically a natural disaster, which is covered by cheap insurance because Kerbin has no weather.

The second stage boosters fire while the first stage is still attatched.

[Delfinus]

Joe, you need to link the wires for the first stage engine and the second stage engine to separate buttons, YES IT MAKES A DIFFERENCE!

 

After tinkering with the Universe too much you accidentally create a clone army of Jeb's.

[KAL 9000]

We were testing the cloning machine.

MechJeb turns on you and won't open the pod bay doors.

[AeroArchonite_]

Bill was watching 2001: A Space Odyssey in the MechJeb Control Room when Bob re-routed the WiFi.

The Asparagus staging draws all of the fuel out of your rocket and stages away the command module.

[SpaceplaneAddict]

Domestic terrorists. Call the anti-human patrol

 

Your spaceplane decides to go rogue, reentering and smashing into the VAB at near orbital speed.

[Guest]

It was all a hoax created by the Administrating Center. No plane ever hit the VAB, it was a controlled demolition.

LKO is filled with debris from "Fat Eagle mk12".

[mikeman7918]

Some idiots at mission control thought that Kerbin really needed a set of rings.

The thrusters of the space plane docked to your station accidentally fire, putting the statoin into an uncontrolable spin and deorbiting it.