>> I just wonder how the insurance companies would react to this claim if they didn't have video footage of the mangroves attacking. <<
In fact, many insurance companies won't cover super incidents, as those are classed similarly to "acts of God." (Which is stupid, because insurance was originally about defraying catastrophic events so as to avoid societal damage; but it's become more "Insurance" these days, a for-profit industry.) It does still cover thefts and other ordinary crimes committed by means of superpowers. And since the laws were written with only human soups in mind, this would presumably qualify as damage by nature, like a tree falling on a house, rather than a supervillain incident. *chuckle* Sometimes bigotry makes useful loopholes.
I touched on this in my government finance description:
"There are some state, local, and private services and funds for superpower concerns. For example, cities big enough to have a soup population often set aside money to cover damages from a superpowered battle. (Federal programs typically don't cover it, and many private insurers won't either.) Independent soups or teams find that similar funds improve public relations and acceptance. SPOON has the largest and most effective conglomeration of services and resources in this field."
In fact, some of the best blue plate special jobs are in superpower-incident cleanup. It would be more sensible and economical to have the damage covered at a federal level, consistently, without all this buck-passing bullshit. But whenever people try to arrange that, someone inevitably tries to hamstring the soups with it somehow -- pinning all the damage costs on them, or requiring all soups to have special (ruinously expensive) catastrophe insurance, or something else insane -- and the proposal gets killed off. I think the city-level response is actually the best, because it's supported by local property taxes so that it scales automatically to local costs and resources. In a top-end place like Naples, if the private insurance company balks, the city could simply fix the damage while the lawsuit is progressing. Also helpful is the handful of insurance companies that do automatically cover super incidents, or offer a rider similar to flood insurance for it. The main drawback is that, like any other rider, many of the people who need it are unable to afford it. Hence SPOON having charity funds for such things.
>> Fun to read, but now I'm asking questions on a dozen tangents. (Thanks for posting it!) <<
![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
dancing_serpent
Re: living in Polychrome
Date: 2014-07-21 06:53 pm (UTC)In fact, many insurance companies won't cover super incidents, as those are classed similarly to "acts of God." (Which is stupid, because insurance was originally about defraying catastrophic events so as to avoid societal damage; but it's become more "Insurance" these days, a for-profit industry.) It does still cover thefts and other ordinary crimes committed by means of superpowers. And since the laws were written with only human soups in mind, this would presumably qualify as damage by nature, like a tree falling on a house, rather than a supervillain incident. *chuckle* Sometimes bigotry makes useful loopholes.
I touched on this in my government finance description:
"There are some state, local, and private services and funds for superpower concerns. For example, cities big enough to have a soup population often set aside money to cover damages from a superpowered battle. (Federal programs typically don't cover it, and many private insurers won't either.) Independent soups or teams find that similar funds improve public relations and acceptance. SPOON has the largest and most effective conglomeration of services and resources in this field."
In fact, some of the best blue plate special jobs are in superpower-incident cleanup. It would be more sensible and economical to have the damage covered at a federal level, consistently, without all this buck-passing bullshit. But whenever people try to arrange that, someone inevitably tries to hamstring the soups with it somehow -- pinning all the damage costs on them, or requiring all soups to have special (ruinously expensive) catastrophe insurance, or something else insane -- and the proposal gets killed off. I think the city-level response is actually the best, because it's supported by local property taxes so that it scales automatically to local costs and resources. In a top-end place like Naples, if the private insurance company balks, the city could simply fix the damage while the lawsuit is progressing. Also helpful is the handful of insurance companies that do automatically cover super incidents, or offer a rider similar to flood insurance for it. The main drawback is that, like any other rider, many of the people who need it are unable to afford it. Hence SPOON having charity funds for such things.
>> Fun to read, but now I'm asking questions on a dozen tangents. (Thanks for posting it!) <<
Yeah, I know the feeling.