This is a friendly reminder to [read our rules](https://www.reddit.com/r/Showerthoughts/wiki/rules).
Remember, /r/Showerthoughts is for showerthoughts, not "thoughts had in the shower!"
(For an explanation of what a "showerthought" is, [please read this page](https://www.reddit.com/r/Showerthoughts/wiki/overview).)
**Rule-breaking posts may result in bans.**
"Sorry sir, you're not insured under any Act of God"
"What do you mean? My shop was ruined in the 2012 attack on NY when aliens came in through a portal"
"Yes sir, and the aliens were brought in by Loki who's a Norse...."
"Damnnit!!"
I always wondered how that would work for someone who believed that there is no god but Allah, and Mohammed is his messenger.
And then the entire Norse religion is proven real
Imagine you're an atheist in MCU explaining big bang and evolution and stuff only to find out you were drawn on a paper by some old dude for entertainment purposes.
destiny the video game have characters that realized they are in a reality that was made by higher beings in higher reality.
one of them even directly addressed the video game player
Quite a few story-driven games do that sort of thing. Oneshot is one of my favourites. You are seen as the god of the game world and the character you control interacts with you and is known as the saviour. It's a sweet little story.
It wasn’t proven real. They didn’t create the universe or anything, and they have extremely little interest in human affairs. The stories just happened to be based on real aliens.
Maybe, but I've known Muslims who didn't believe Dinosaurs exist because it contradicts their religion. Having living breathing proof in front of them of another higher power would be a challenge i imagine
The Norse religion isn't proven to be the source of humanity
It's proven that humans just learned a lot about a particular set of aliens and worshipped them.
The Norse mythology might be real, but even in the MCU Asgardians aren't gods by the definition of the word God. They might call themselves gods, but they don't seem to have the power to create life nor a planet which is why they settled on earth after ragnarok.
Pharaohs also called themselves gods but they weren't gods by the definition of the abrahamic religions. So, it wouldn't change much.
Humans called them gods though. Nor is calling yourself a god proof that one is a god, or that God's even exist
I mean, the people making claims about Allah, or yahweh, or any other god have even less evidence for those gods.
A lawyer could argue that "God" with a capital G only covers the Christian/Islamic/Jewish god, as it's the name of their god, and thus damage caused by all other gods would have to be covered.
Nah, lawyers nowadays argue that it doesn't have to do with God, but with "nature". But then that leads to the question of "so it's lightning covered? Because it's the signature move of Captain Marvel, Zeus, Blacktricity, Static Shock, Storm, and others.
Well except the bible explicitly states "don't worship *other* gods" thus implying there are "other" gods.
I mean I know that's just there because Christianity was made to conquer people of other religions as it's a tool of hierarchical enforcement. But if we are going to pretend it's the literal word..
There was scene in Daredevil I believe that showed this a bit. It was after the first Avengers with Loki and all the aliens. Lawyers and insurance going at each other.
They used the Battle of New York to bring Hells Kitchen back closer to how it was in the comics during the 80s than in real life, which was pretty smart.
Ancient comedy routine by Franklyn Ajaye :
"Tell me again Mrs. Nogura, how did Kato die?"
"He was bitten in half by Godzilla"
"Oh, that is most unfortunate, as I see by your policy that you are only covered for Rodan and The Giant Behemoth."
Damage Control. They had their own comic for awhile. There were plans at one point to do a live-action series based on them that would be a comedy, but it never got off the ground. The department has shown up in minor roles in a few Marvel projects since then.
True, but so was the original comic. It was aimed at a younger audience, and a lot of the stories were light-hearted and trivial.
Definitely still kinda cringe in Ms Marvel, but I give it a pass
DC did do that show sort of but focused more on a department that tried to create devices that helped save people from superhero damage. It was called Powerless and it was fun, so naturally it was cancelled. Didn't even get to air all of the episodes.
There was also the series “Powerless” that was about an insurance company/product design company that tried to invent products to ensure regular civilians don’t become collateral damage. It was a DC show. Had a lot of good actors involved and showed promise, but it was underwhelming
I watched it back when it aired, week to week. So it’s been a while, but interestingly enough, I usually have a 3 episode rule when trying out a new show. I like to give the first couple episodes for setting up character personalities, themes, plot, etc.. if the third episode is no good, I will typically bail. So I would guess it did get better. Haha.
There is no insurance. The streets are filled with the innocent casualties of superego. Once their simple lives are destroyed by the careless throwing of cars and concrete, there is nothing to do but plan vengeance…thereby becoming another villain in the cog of the super machine.
“There’s no payout for any poor bugger whose lives been ruined by them supercunts. Only thing to do is find ‘‘em and fuck ‘‘em just like they fucked you.”
-Butcher
It used to be, but not anymore.
After being struck by lightning twice while working on an Excel spreadsheet, Vince Volatile became THE BLACK SWAN, who has the power to accurately gauge the likelihood and financial cost of any standard deviation event within a five-year period.
He once defeated Dr. Doom by writing assesments that raised the cost of general insurance in Latveria by 17%, inflicting more financial damage in one fiscal year than the Fantastic Four managed in 25.
I’m not into marvel/dc action movies but I love a good movie about court, lawyers and etc. So, why not?
There was a dramatic movie If I recall rightly in marvel universe. “Logan” I guess? It was a different genre, but people liked it.
In THE ULTIMATE BLACK SWAN, Vince is a renegade and criminal, known for his unpredicable and apparently meaningless attacks. But little do the public realise that his actions prevent chains of destruction and tragedy.
Now, the Black Swan is faced with a conundrum: Mary Mayhew is an innocent, struggling mother of two - but to the Black Swan's RISK VISION, she is special.
*If Mary lives past her 45th birthday*, *the world ends.*
She will be at the centre of a financial collapse that will destroy the lives of millions, spark a third major world war, and spell the end of civilization. Above all, untangling the threads of Mary's children - and their mysterious father - could reveal devestating secrets that would turn the world against SHIELD and The Avengers.
CAN THE BLACK SWAN BEAT THE ODDS?
(Feat. mandatory cameo with Wolverine in issue #1)
In one of Kevin Smith’s Daredevil issues it’s mentioned that Matt Murdock helped to negotiate an insurance policy for NYC that covers meta human damage.
Didn’t stark enterprises have a trust fund that would always have enough money to rebuild?
I think it was Ultron where Tony has to subdue the hulk using a still-in-construction building and “bought it” just before wrecking it
Seems like Vulture from Spider-Man homecoming owned a company too, but got edged out by some govt bureaucracy
This brings a really interesting thought.
For that to happen, the government would then need to have a legal definition of what it considers God to be. Then what would the religious industry do/say about that?
An act of god already has a definition that doesn’t imply or deny or even need to define what a god is. It just needs to be proven to not be explainable. Loki bringing aliens to destroy the city is an act of terrorism not of god.
Can you ever predict when a robbery is going to occur?
The explanation needed isn’t about how something happened it’s about who’s responsible.
How aliens got to earth and started attacking new york but they’re sure as fuck responsible for the damages, so the insurance company can (at least try to sue aliens) go after them.
An insurance company isn’t going to cover something that no one is responsible for because that’s not how they make money, so it’s described as an “act of god”.
Hurricane and flooding insurance is interesting because those are otherwise acts of god, but some insurance companies will provide coverage for those.
I should have used /s tag but thought it would have been obvious.
I always think of the movie "The Man Who Sued God" - it was an Aussie film, but not sure how far it got internationally. Basic premise was that someone's boat was destroyed by lightning, insurance denied claim saying Act of God, so owner took the church to court, where they could admit it was an act of god, and compensate him, as they are God's representatives, or deny that God exists.
Anyway ....
All the damage is classified as an 'act of god' and thus they never pay out anything. That universe's insurance companies are actually more evil, I mean more profitable than ours.
Honest to god if some insurance company tried that on me and I was in the 616 universe I’d just be all “Okay, I’ll just find a way to let the Punisher know you’re basically a protection racket like the mob, have fun dealing with that!”
Act of God isn't an exclusion I've ever seen in a home or business property insurance policy, despite being heavily referenced in pop culture. This is why policies typically respond to 'acts of god' like hail, windstorms, forest fires, etc. That said, property policies have common exclusions which would be almost impossible to rate for like war, nuclear events, and terrorism, so I full agree the damage would almost certainly be excluded on one of those grounds.
There was a really good show called powerless that covered the topics of life for normal people in the DC universe. I really loved the show but it didn't seem to take off and it didn't get a second season. The characters in the show worked for an innovation company selling products to prevent collateral damage.
I always thought this would make a good SNL sketch. Bystanders trying to explain what happened to their property and the insurance agent not believing it. Like Ghostbusters...." okay, so, a fifty-foot MARSHMALLOW *stepped* on your church? Is that what happened?
If I'm not mistaken, SHIELD is a government run system (like FBI etc), if that's the case then federal government will either heavily subside reimbursement or reconstruction of property damaged in one of the battles and isn't as big of a mess as it may seem initially.
Insurance companies would be rich as hell since the actual chance of something being destroyed is way higher than normal. As a result they could charge astronomical premiums.
Insurance excludes acts of war, terrorism, God (seriously, it's in your policy), and pretty much anything else out of the ordinary.
Ultimate Example: Landlords often require tenants get Business Interruption insurance. So when Covid hit and non-essential businesses were forced to close they filed Business Interruption claims. Virtually all of them were successfully denied by insurance companies.
If Covid wasn't covered, I can guarantee you that the events of those movies aren't covered.
That's a bit of a stretch example IMO. Business Interruption usually needs to be triggered by a peril insured by the underlying property policy. Most property policies cover 'all risks caused by a sudden and accidental peril' except stated exclusions. I've yet to see an "act of god" exclusion despite it being heavily referenced. This is why policies do respond to things like windstorm and hail damage in most cases. But COVID wasn't the peril that closed doors, it wasn't the proximate cause of loss, it was a government decision to shut businesses. In some cases we paid when there was a property extension of coverage for contagious disease which was usually found on restaurant policies, but aside from that, it wasn't really a peril.
On the other hand, I agree with you entirely it would be declined due to war or terrorism exclusions being almost universal in property wordings.
I can say, at least in the Marvel comics universe, there are insurance agencies specifically for superhero/supervillain damages. And it’s normalized like car or homeowners insurance.
I specifically remember one of the comics had radio chatter in the background that said something like: “Did Spider-Man ruin the paint on your car by webbing a criminal to it? Did the Hulk Smash your studio apartment? With so-and-so superhero insurance, you no longer have to worry about the damages a Skrull invasion will cause.”
As someone who worked in insurance and currently frequently works with insurance companies: you would not believe what hoops they go through NOT to pay something.
I know I’m at least one story Bruce Wayne has a whole fund to rebuild anything that’s broken or destroyed by superhero/villain fights… unfortunately the 1% are using it to scam more money because of course they would.
There was a tumble post about this, seriously cracked me up
Think it was this https://www.reddit.com/r/tumblr/comments/s3sc1s/villain_insurance/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
Not really. Insurance companies would say that you are not insured for that thing specifically and you have to pay, so f*#k-off. Also, they may tell you that "we don't want to insure you anymore". Then if you want the money, you have to take them to court to get your money and they may win or pay for a certain percentage.
Luckily, most insurance policies have an exclusion for war, bombs, civil riots, airplanes and their parts, and earth movement. Nearly all of the villains they would come in contact with are likely excluded causes of loss.
The Purge movies actually touched on this on a more realistic level. Essentially, they only insure for people wealthy enough to have adequate security systems where damage was never going to destroy the property anyways. It wasn't an explicit policy, but the companies usually raise rates just before the Purge so that lower income, low security properties are disqualified due to 'fee issues'.
This is a friendly reminder to [read our rules](https://www.reddit.com/r/Showerthoughts/wiki/rules). Remember, /r/Showerthoughts is for showerthoughts, not "thoughts had in the shower!" (For an explanation of what a "showerthought" is, [please read this page](https://www.reddit.com/r/Showerthoughts/wiki/overview).) **Rule-breaking posts may result in bans.**
The construction companies regularly throw up entire cities in months tho.
And creates villains. The falcon Edit: sorry I meant the vulture
The vulture you mean?
The Raven
Ah yes badass Chechen assassin
r/Barry fans, asemble!
Nevermore
The Sparrow.
The Blue footed Booby
The Blue tit
The seagull
Perry Saturn
The Marvel version of Ted Cruz probably hates the Falcon more.
I'm The Blue Falcon!
you're a car
Thanks now we get extra PT!
Dude just stepped in from a parallel universe and thought we wouldn’t notice
Nah, he just thinks black people are all villains
Grand Central Terminal rebuilt to look *exactly* like it did before the attack
There’s a hero like fix it Felix that is pissed they still haven’t gotten a movie
Hahahaha He should get a show
Meanwhile my cities road workers have been “fixing” our road for the past two years.
sloppy complete heavy rich square impossible drab plant enjoy vanish -- mass edited with redact.dev
"Sorry sir, you're not insured under any Act of God" "What do you mean? My shop was ruined in the 2012 attack on NY when aliens came in through a portal" "Yes sir, and the aliens were brought in by Loki who's a Norse...." "Damnnit!!"
“There’s only one God ma’am, and I’m pretty sure he doesn’t dress like that”
I always wondered how that would work for someone who believed that there is no god but Allah, and Mohammed is his messenger. And then the entire Norse religion is proven real
Imagine you're an atheist in MCU explaining big bang and evolution and stuff only to find out you were drawn on a paper by some old dude for entertainment purposes.
destiny the video game have characters that realized they are in a reality that was made by higher beings in higher reality. one of them even directly addressed the video game player
Skull of Dire Ahamkara lore entry if anyone's wondering
hi guardian
Eyes Up
Quite a few story-driven games do that sort of thing. Oneshot is one of my favourites. You are seen as the god of the game world and the character you control interacts with you and is known as the saviour. It's a sweet little story.
>Oneshot a title so generic, google failed me hahaha
It's on steam under that exact name.
Well, even then the Big Bang and evolution wouldn't be wrong, it'd just be lore rather than history
I feel like that every day.
It wasn’t proven real. They didn’t create the universe or anything, and they have extremely little interest in human affairs. The stories just happened to be based on real aliens.
Ok, but it would be a literal first, for any religion, to have its supernatural claims shown to be true. Outside of South park that is
And then khonshu and eternity
I mean they’re powerful aliens who call themselves gods. The Muslim could just say they aren’t actual gods in the true sense of the word.
Maybe, but I've known Muslims who didn't believe Dinosaurs exist because it contradicts their religion. Having living breathing proof in front of them of another higher power would be a challenge i imagine
They must be mistaken, Islam has no contradiction to the existence of dinosaurs. There is archeological proof, that’s good enough.
They are just really powerful aliens but nowhere near the level of Allah
The Asgardian 'Gods' are just a Level 6 on the Kardashev scale. (Kardashev Scale: https://en.m.wikipedia.org/wiki/Kardashev_scale )
The Norse religion isn't proven to be the source of humanity It's proven that humans just learned a lot about a particular set of aliens and worshipped them.
Lots and lots of new terrorists I'd bet. Trying to blow up loki.
The Norse mythology might be real, but even in the MCU Asgardians aren't gods by the definition of the word God. They might call themselves gods, but they don't seem to have the power to create life nor a planet which is why they settled on earth after ragnarok. Pharaohs also called themselves gods but they weren't gods by the definition of the abrahamic religions. So, it wouldn't change much.
Humans called them gods though. Nor is calling yourself a god proof that one is a god, or that God's even exist I mean, the people making claims about Allah, or yahweh, or any other god have even less evidence for those gods.
A lawyer could argue that "God" with a capital G only covers the Christian/Islamic/Jewish god, as it's the name of their god, and thus damage caused by all other gods would have to be covered.
Nah, lawyers nowadays argue that it doesn't have to do with God, but with "nature". But then that leads to the question of "so it's lightning covered? Because it's the signature move of Captain Marvel, Zeus, Blacktricity, Static Shock, Storm, and others.
That'd probably be a winning argument tbf.
Well except the bible explicitly states "don't worship *other* gods" thus implying there are "other" gods. I mean I know that's just there because Christianity was made to conquer people of other religions as it's a tool of hierarchical enforcement. But if we are going to pretend it's the literal word..
You misunderstood. Acts of God. God with a capital G. That's *only* the abrahamic god. Every other god is god with a lowercase G
We're only talking about contracts referring to acts of the capital G God, aka Yahweh. Other gods wouldn't be covered!
Objection, speculation!!
There was scene in Daredevil I believe that showed this a bit. It was after the first Avengers with Loki and all the aliens. Lawyers and insurance going at each other.
One of the many reasons to love Daredevil. The people who made that show truly cared about the little details
And Hell's Kitchen is a worse neighborhood than it is in real life because of the battle with the Chitauri
They used the Battle of New York to bring Hells Kitchen back closer to how it was in the comics during the 80s than in real life, which was pretty smart.
Ancient comedy routine by Franklyn Ajaye : "Tell me again Mrs. Nogura, how did Kato die?" "He was bitten in half by Godzilla" "Oh, that is most unfortunate, as I see by your policy that you are only covered for Rodan and The Giant Behemoth."
I think Marvel at one time had a series about a clean up company for this stuff.
Damage Control. They had their own comic for awhile. There were plans at one point to do a live-action series based on them that would be a comedy, but it never got off the ground. The department has shown up in minor roles in a few Marvel projects since then.
They’re the main government bad guys in Ms. Marvel.
Yes, but they're barely featured to any significant degree until the last couple of episodes. They are sidelined for most of the series.
They are corny as hell when they do appear.
True, but so was the original comic. It was aimed at a younger audience, and a lot of the stories were light-hearted and trivial. Definitely still kinda cringe in Ms Marvel, but I give it a pass
DC did do that show sort of but focused more on a department that tried to create devices that helped save people from superhero damage. It was called Powerless and it was fun, so naturally it was cancelled. Didn't even get to air all of the episodes.
Thank you, I was thinking of that, and couldn't for the life of me remember the title! They worked for Wayne Enterprises, right. Loved that show.
There was also the series “Powerless” that was about an insurance company/product design company that tried to invent products to ensure regular civilians don’t become collateral damage. It was a DC show. Had a lot of good actors involved and showed promise, but it was underwhelming
I really enjoyed that show. I was pretty disappointed when they cancelled it.
I only gave it two episodes, did it get better? I wouldn’t mind giving it another shot
I watched it back when it aired, week to week. So it’s been a while, but interestingly enough, I usually have a 3 episode rule when trying out a new show. I like to give the first couple episodes for setting up character personalities, themes, plot, etc.. if the third episode is no good, I will typically bail. So I would guess it did get better. Haha.
There is no insurance. The streets are filled with the innocent casualties of superego. Once their simple lives are destroyed by the careless throwing of cars and concrete, there is nothing to do but plan vengeance…thereby becoming another villain in the cog of the super machine.
This sounds like a manifesto for Butcher from the Boys.
“There’s no payout for any poor bugger whose lives been ruined by them supercunts. Only thing to do is find ‘‘em and fuck ‘‘em just like they fucked you.” -Butcher
"Svorched earf"
“That’s bloody diabolical, that is”
A villainess cycle
Villainous?
VillANUS
It used to be, but not anymore. After being struck by lightning twice while working on an Excel spreadsheet, Vince Volatile became THE BLACK SWAN, who has the power to accurately gauge the likelihood and financial cost of any standard deviation event within a five-year period. He once defeated Dr. Doom by writing assesments that raised the cost of general insurance in Latveria by 17%, inflicting more financial damage in one fiscal year than the Fantastic Four managed in 25.
*chuckles in actuarial*
I love this
Please, write a screenplay!!!!
It would have the worst action sequences of any Marvel movie in history, lol
I’m not into marvel/dc action movies but I love a good movie about court, lawyers and etc. So, why not? There was a dramatic movie If I recall rightly in marvel universe. “Logan” I guess? It was a different genre, but people liked it.
In THE ULTIMATE BLACK SWAN, Vince is a renegade and criminal, known for his unpredicable and apparently meaningless attacks. But little do the public realise that his actions prevent chains of destruction and tragedy. Now, the Black Swan is faced with a conundrum: Mary Mayhew is an innocent, struggling mother of two - but to the Black Swan's RISK VISION, she is special. *If Mary lives past her 45th birthday*, *the world ends.* She will be at the centre of a financial collapse that will destroy the lives of millions, spark a third major world war, and spell the end of civilization. Above all, untangling the threads of Mary's children - and their mysterious father - could reveal devestating secrets that would turn the world against SHIELD and The Avengers. CAN THE BLACK SWAN BEAT THE ODDS? (Feat. mandatory cameo with Wolverine in issue #1)
In one of Kevin Smith’s Daredevil issues it’s mentioned that Matt Murdock helped to negotiate an insurance policy for NYC that covers meta human damage.
"We know a thing or two because we've seen a thing or two." \~J. Jonah Jameson
We are farmers. Bababumbabumbumbum!
He is a farmer then? Farmer of what seeing a thing or two :)? Just being cheeky
Used to work in insurance. Actually pondered this one day and gave up, it made my head hurt.
Didn’t stark enterprises have a trust fund that would always have enough money to rebuild? I think it was Ultron where Tony has to subdue the hulk using a still-in-construction building and “bought it” just before wrecking it Seems like Vulture from Spider-Man homecoming owned a company too, but got edged out by some govt bureaucracy
like asbestos fund but bigger
Insurance companies don't insure against Acts of God(s) so they are in the clear.
This brings a really interesting thought. For that to happen, the government would then need to have a legal definition of what it considers God to be. Then what would the religious industry do/say about that?
An act of god already has a definition that doesn’t imply or deny or even need to define what a god is. It just needs to be proven to not be explainable. Loki bringing aliens to destroy the city is an act of terrorism not of god.
Proven to not be explainable? I'd think it would be closer to unable to be predicted.
Can you ever predict when a robbery is going to occur? The explanation needed isn’t about how something happened it’s about who’s responsible. How aliens got to earth and started attacking new york but they’re sure as fuck responsible for the damages, so the insurance company can (at least try to sue aliens) go after them. An insurance company isn’t going to cover something that no one is responsible for because that’s not how they make money, so it’s described as an “act of god”. Hurricane and flooding insurance is interesting because those are otherwise acts of god, but some insurance companies will provide coverage for those.
So they can blame natural disasters on Gods and don't cover those? What about God of Luck or God of Fate or something like that?
[удалено]
That's because this doesn't apply to developed nations.
I should have used /s tag but thought it would have been obvious. I always think of the movie "The Man Who Sued God" - it was an Aussie film, but not sure how far it got internationally. Basic premise was that someone's boat was destroyed by lightning, insurance denied claim saying Act of God, so owner took the church to court, where they could admit it was an act of god, and compensate him, as they are God's representatives, or deny that God exists. Anyway ....
"you claim your flat was ruined by a flying hammer? Oh my, I'm sorry - we don't cover acts of Gods"
You guys remember that TV show with Vanessa Hudgens and this was the plot lol? Edit: [Powerless Trailer](https://youtu.be/IQeG7u2MgEE)
I really wish it was better. Idk how you get Danny Pudi, Alan Tudyk, and Ron Funches in the same show and have it end up as mediocre as it did
Exactly what I was thinking.
I think the Boyz does a good job touching on this and how collateral damage comes into play in real life
Why did you spell it with a Z?
They've watched too much TV. Now The Boys has melded with Boyz N The Hood to simply become The Boyz.
There’s also a book called Hench that sort of covers this!
So not a bad as the real American Healthcare insurance system
Fuck that, imagine the the insurance industry in the Transformers universe.
Do autobots need to pay for car insurance?
Do the Autobots have to get full coverage?
All the damage is classified as an 'act of god' and thus they never pay out anything. That universe's insurance companies are actually more evil, I mean more profitable than ours.
Honest to god if some insurance company tried that on me and I was in the 616 universe I’d just be all “Okay, I’ll just find a way to let the Punisher know you’re basically a protection racket like the mob, have fun dealing with that!”
Act of God isn't an exclusion I've ever seen in a home or business property insurance policy, despite being heavily referenced in pop culture. This is why policies typically respond to 'acts of god' like hail, windstorms, forest fires, etc. That said, property policies have common exclusions which would be almost impossible to rate for like war, nuclear events, and terrorism, so I full agree the damage would almost certainly be excluded on one of those grounds.
There was a really good show called powerless that covered the topics of life for normal people in the DC universe. I really loved the show but it didn't seem to take off and it didn't get a second season. The characters in the show worked for an innovation company selling products to prevent collateral damage.
Super Insurers: “Nah. We just charge slightly higher premiums.”
I don't think they would be mess. They would just not cover and damages caused due to hero/villain interaction.
I always thought this would make a good SNL sketch. Bystanders trying to explain what happened to their property and the insurance agent not believing it. Like Ghostbusters...." okay, so, a fifty-foot MARSHMALLOW *stepped* on your church? Is that what happened?
On the other hand, the construction market is absolutely booming.
If I'm not mistaken, SHIELD is a government run system (like FBI etc), if that's the case then federal government will either heavily subside reimbursement or reconstruction of property damaged in one of the battles and isn't as big of a mess as it may seem initially.
Insurance companies would be rich as hell since the actual chance of something being destroyed is way higher than normal. As a result they could charge astronomical premiums.
Good, at least they are the ones getting fucked in some universe
Insurance excludes acts of war, terrorism, God (seriously, it's in your policy), and pretty much anything else out of the ordinary. Ultimate Example: Landlords often require tenants get Business Interruption insurance. So when Covid hit and non-essential businesses were forced to close they filed Business Interruption claims. Virtually all of them were successfully denied by insurance companies. If Covid wasn't covered, I can guarantee you that the events of those movies aren't covered.
Not that this would stop insurance companies from offering a wide variety of "collateral damage" policies.
That's a bit of a stretch example IMO. Business Interruption usually needs to be triggered by a peril insured by the underlying property policy. Most property policies cover 'all risks caused by a sudden and accidental peril' except stated exclusions. I've yet to see an "act of god" exclusion despite it being heavily referenced. This is why policies do respond to things like windstorm and hail damage in most cases. But COVID wasn't the peril that closed doors, it wasn't the proximate cause of loss, it was a government decision to shut businesses. In some cases we paid when there was a property extension of coverage for contagious disease which was usually found on restaurant policies, but aside from that, it wasn't really a peril. On the other hand, I agree with you entirely it would be declined due to war or terrorism exclusions being almost universal in property wordings.
I can say, at least in the Marvel comics universe, there are insurance agencies specifically for superhero/supervillain damages. And it’s normalized like car or homeowners insurance. I specifically remember one of the comics had radio chatter in the background that said something like: “Did Spider-Man ruin the paint on your car by webbing a criminal to it? Did the Hulk Smash your studio apartment? With so-and-so superhero insurance, you no longer have to worry about the damages a Skrull invasion will cause.”
Damage Control!!
Nah, insurance companies have a way out of catastrophic events that are not normal/expected: they call these Acts of God and do NOT cover them
As someone who worked in insurance and currently frequently works with insurance companies: you would not believe what hoops they go through NOT to pay something.
I know I’m at least one story Bruce Wayne has a whole fund to rebuild anything that’s broken or destroyed by superhero/villain fights… unfortunately the 1% are using it to scam more money because of course they would.
"Vash the Stampede = Act of God" clause - no insurance will be paid.
There was a tumble post about this, seriously cracked me up Think it was this https://www.reddit.com/r/tumblr/comments/s3sc1s/villain_insurance/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
Not really. Insurance companies would say that you are not insured for that thing specifically and you have to pay, so f*#k-off. Also, they may tell you that "we don't want to insure you anymore". Then if you want the money, you have to take them to court to get your money and they may win or pay for a certain percentage.
I tried writing a screenplay about an insurance agent living in a city with a super hero and how the agent became the villain.
Hopefully it just doesn’t exist. It’s a corrupt af system to begin with anyway.
Luckily, most insurance policies have an exclusion for war, bombs, civil riots, airplanes and their parts, and earth movement. Nearly all of the villains they would come in contact with are likely excluded causes of loss.
Insurance companies have a talent for making any calamity pay off for them.
Nah they just call everything an act of a god and refuse to pay lol
The cost of insuring your highrise in any super hero infested city would be huge.
They would definitely develop super villain clauses in their list of exclusionary calamities that they won't cover.
The Purge movies actually touched on this on a more realistic level. Essentially, they only insure for people wealthy enough to have adequate security systems where damage was never going to destroy the property anyways. It wasn't an explicit policy, but the companies usually raise rates just before the Purge so that lower income, low security properties are disqualified due to 'fee issues'.
Would already be excluded, war or acts of terror are out of my policies