Superman Insurance

Anyone think the people of Metropolis must have Superman insurance?  It would be there for when they woke up to a huge hole in their home, or half their home was simply missing, or their work said not to come in because their cubicle is scattered all over the whole block (but if they could work, they'd have a nice view of the city).  It must happen on a weekly/monthly basis where giant swaths of the city are reduced to rubble and people are left homeless or with an excuse to renovate the kitchen...  

Whenever Superman saved the world the insurance companies must get an influx of claims.


"Hello, this is your insurance operator."
"Hi.  Superman just saved the city again today."
"Oh, I'm sorry to hear that.  We'll send out an agent to assess the damage but your Superman Policy covers up to $500,000."
"Yeah, I think I'm going to need all of it."
"While we have you on the phone, Ms. Victim, I'd like to take the opportunity to inform you that our premiums are rising, due to the frequency of claims."
"Ah crap."

And this is what I was thinking about this morning rather than my dissertation.  Sigh...