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"Can NYC-Gotham Residents Get Superhero Coverage?" Topic

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699 hits since 1 Aug 2017
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Personal logo Cacique Caribe Supporting Member of TMP01 Aug 2017 6:20 p.m. PST

It looks like both the good guys and baddies always destroy huge chunks of the place and everything is rebuilt by the time the next movie, comic book or tv episode comes around.

Where do residents get the cash to suffer so much superhuman activity? Is there an insurance company that would dare offer something like superhero damage policies?

Shouldn't each sequel begin by always showing some areas still in ruin, or with insurance claims adjusters issuing check to those in the process of rebuilding their homes and lives?


Personal logo Extra Crispy Sponsoring Member of TMP01 Aug 2017 7:25 p.m. PST

Well, since half the movies are "reboots" anyway, we're always going back to page one.

Personal logo Cacique Caribe Supporting Member of TMP01 Aug 2017 7:55 p.m. PST

I guess that, once again, I wasn't the first to ponder some of these questions:




Platybeladon02 Aug 2017 4:20 a.m. PST

This was sort of covered in the "Damage Control" comics from Marvel

robert piepenbrink Supporting Member of TMP02 Aug 2017 6:20 a.m. PST

Superhero insurance is like earthquake and flood insurance: the rates vary tremendously from one part of to country to another. (Hmm. Auto liability insurance too, come to think of it. I used to know some young officers stationed in DC.)
Anyway, very cheap in Indiana. In the Marvelverse, a serious expense in New York, and especially bad for construction projects. Arizona (Hulk country) somewhere in between.
DC rates are only really bad in Gotham and Metropolis, though of course Coast City, Central City and Smallville are still above the national average. Sadly, President Lex Luthor's Affordable Metahuman Rebuilding Act imploded after his time in the White House. Not Lex's only big plan which didn't work out.

Personal logo Cacique Caribe Supporting Member of TMP02 Aug 2017 6:41 a.m. PST


Wow, then it's even worse and more widespread than I thought.


pvi99th02 Aug 2017 8:03 a.m. PST

They could build a wall and make Bruce Wayne and Tony Stark pay for it…

pvi99th02 Aug 2017 8:04 a.m. PST

The cleanup operation from the first Avengers film is the catalyst in Spider-Man Homecoming. Nuff said or I could give things away.

robert piepenbrink Supporting Member of TMP02 Aug 2017 11:20 a.m. PST

How long have you been reading these things, pvi? Someone would knock the wall down, and either people would have to take time out to rescue the civilian, or the character would be on his feet three panels later.

Zephyr102 Aug 2017 2:55 p.m. PST

Well, with constant rebuilding needed, unemployment rates in the construction industry should be low… ;-)

Buck21502 Aug 2017 3:06 p.m. PST

This was the premise of the recently canceled TV show "Powerless" (with Vanessa Hudgens and an occasional voice over by Adam West)- an insurance company that provided insurance for innocent bystanders who were affected by the destruction wrought by super heroes as they fought the baddies. Bruce Wayne's jealous cousin (Alan Tudyk) was a high-up officer in the company…

LoudNinjaGames04 Aug 2017 10:33 a.m. PST

In the TV show they were not an insurance company.

They were a product lab developing technologies to help the average person protect themselves from superhero fallout. They were a subsidiary of Wayne Industries and it was hinted at several times that much of their materials and miniaturization research was funneled back to Batman.


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