#you wouldn't have specific hero cover but maybe optional benefits where you can pick two or more sets of cover
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Started critiquing shows under the umbrella of "would this constitute a declined insurance claim" and it has been VERY fun so far.
#not joking I am starting to think about what underwriting in a superhero universe would be#i think a common event exclusion would be:#you are not covered if the damage is caused by someone#who advertised their plan on social media or tv 24 hours before the loss or damage occurred#i just think that makes sense#also my roommate was watching this fire fighter's drama last night and a car fell out of the sky and i went#huh. yeah i think that's still technically an impact claim#also in Shazam on Sunday: do dragons count as aircraft? if so I think you could reasonably argue the Vasquez fam should be covered#or even animal damage! what is it if not an animal!#catch me drafting an insurance manual for superheroes actually 😭😭#the fic is just normal people after abnormal events ie. Darkseid invading or Themsyceria being transplanted into New York or smth#you wouldn't have specific hero cover but maybe optional benefits where you can pick two or more sets of cover#STOP ME NOW#bip bop nari drops#fantasy insurance PDS
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