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

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?

Dan

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

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

link

Dan

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

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.

Robert,

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

Dan

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

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

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.

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

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…

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.

-Eli