History HeroInsurance / MarvelUniverse

* ''ComicBook/NotBrandEchh'': Consciously averted in Marvel's OfficialParody book, in a story where [[ComicBook/FantasticFour the Thing]] and [[ComicBook/TheIncredibleHulk the Hulk]] fight for six pages before an angry inspector from [[UsefulNotes/TheComicsCode the Comics Code Authority]] comes and chews them out, listing all the damage they have caused. Because the Hulk reverts to Bruce Banner just before the inspector shows up, the Thing ends up taking most of the blame, and gets stuck with the responsibility for repairing the damages.

* ''ComicBook/IronMan'': Played straight in an issue of ''ComicBook/TheInvincibleIronMan2008'', when Tony Stark and Sasha Hammer have an all-out brawl in the middle of a busy highway, destroying a few passing cars in the process. Made absolutely hilarious when Pepper shows up and smacks Sasha with one of the destroyed cars, saying the owner gave her permission to use what was left of his car to beat the crap out of Sasha.

* In an earlier issue where accountants were talking to the team, trying to account for all the damage caused during a fight with elemental golems. Most of the Avengers were dismissive about it, Thor left a bag of gold, ComicBook/IronMan reminded them that he was Tony Stark and could pay for it, and Cap... Cap handed over the parking ticket and the badge number of the officer who had ticketed the Quinjet when he'd made an emergency landing in an illegal zone. And the paperwork for having taken something out of a prison without filling in forms beforehand. The accountants loved him. An Avengers annual had the heroes touring a construction site. The employees knew villains would not be far behind (it ''is'' a construction site) and indeed, they showed up. Without the heroes knowing, the employees put the smack down on all the bad guys.

* {{Lampshade|Hanging}}d by Marvel with their ''ComicBook/DamageControl'' series -- a comic book about the company which cleans up after super battles. D.C. has been shown to clean up very specific examples of property damage, enlisting the help of subcontractors. In the after-effects of the ''Civil War'', its created-for-the-story new CEO is shown to have helped cause damage so the company gets hired to fix it. And they also dealt with the aftermath of ''ComicBook/WorldWarHulk'', explaining why New York wasn't rubble just days after it was smashed.

* In an earlier of ComicBook/TheAvengers where accountants were talking to the team, trying to account for all the damage caused during a fight with elemental golems. Most of the Avengers were dismissive about it, Thor left a bag of gold, ComicBook/IronMan reminded them that he was Tony Stark and could pay for it, and Cap... Cap handed over the parking ticket and the badge number of the officer who had ticketed the Quinjet when he'd made an emergency landing in an illegal zone. And the paperwork for having taken something out of a prison without filling in forms beforehand. The accountants loved him. An Avengers annual had the heroes touring a construction site. The employees knew villains would not be far behind (it ''is'' a construction site) and indeed, they showed up. Without the heroes knowing, the employees put the smack down on all the bad guys.
* In an issue of ComicBook/MarvelAdventures: Avengers the team [[LetsYouAndHimFight fights itself]] because of a hate ray, throwing some cars around and inflicting minor damage in the process. Once they are done the mayor of New York scolds them, sentencing them to... community service. Well, they ''are'' the Avengers. Fighting the next threat probably counts.
* In the "Guardian Devil" arc for Marvel Comics character ComicBook/{{Daredevil}}, DD mentions that New York City has a billion-a-year insurance policy on damages caused by superheroes.
* This trope is either [[DeconstructedTrope deconstructed]] or parodied in the Marvel ComicBook/WhatIf story ''ComicBook/ThePunisherKillsTheMarvelUniverse''. In short, Frank Castle's family is killed in the crossfire of a superhuman battle and he, with the financial support of a group of people who've been similar victims of "collateral damage", goes on a RoaringRampageOfRevenge on the superhuman community.
* The first incarnation of Marvel's ''ComicBook/{{Thunderbolts}}'' finished winning the hearts of [[BigApplesauce New York City]] in their first issue by staying behind to repair the damage to [[MonumentalBattle the Statue of Liberty]] caused in one of their battles. It was specifically mentioned that everyone was so happy to see a new team of heroes, that the metalworkers unions weren't going to sue their pants off for doing union work. Citizen V even alludes to the fact that superheroes cleaning up after themselves is usually ''not'' appreciated by those who would otherwise be paid to do it. Definitely a bit of lampshading for this trope.
* The ComicBook/FantasticFour had a storyline that began as something of a HumiliationConga. First, [[{{Pun}} their financial wizard disapparated with all their money]], then New York "thoughtfully" let them off the bill for all the damage that's been inflicted to New York during their battles ''on the condition they handed over their HQ''.

** Similar, in the first issue of ''ComicBook/TheAmazingSpiderManJMichaelStraczynski'', Spidey ''levels down'' a building scheduled for demolition, to work out some anger issues, and the wrecking crew just call it a day.
* Deconstructed in ''ComicBook/TheUltimates'', where one of the Hulk's massive rampages results in many deaths and millions of dollars in property damages -- and Bruce Banner on trial for crimes against humanity.
* In the ComicBook/DoctorStrange miniseries ''The Oath'', after Night Nurse finishes operating on Dr. Strange after he is shot by an intruder, Strange jokes that he might still be covered under the Defenders' group health insurance plan. For reference, the Defenders were a somewhat mismatched superhero team-up that included the Silver Surfer, the Hulk, and Namor the Sub-Mariner.
* Subverted in a barfight between ComicBook/{{Colossus}} of the ComicBook/XMen and the ComicBook/{{Juggernaut|MarvelComics}}, where Cain actually pays for damages afterwards.
* Speaking of X-Men, ''ComicBook/{{Cyclops}}'' always advises the team to avoid collateral damage (i.e., no throwing random cars at bad guys), or at least cut a check to affected parties afterwards, since a mere diversionary tactic could mean years of debt for a civilian.
* Also sort of lampshaded by ComicBook/{{Rogue}} in an issue of Xtreme X-Men, where she comments that "the X-Men may cause more collateral property damage than God," but they don't kill innocents.
* {{Lampshade|Hanging}}d in the ''ComicBook/{{Sleepwalker}}'' comics when a city accountant is examining all the property Sleepwalker has bent and twisted with his [[EyeBeams warp beams]] and trying to determine how much money Sleepwalker's efforts are costing the city. Detective Cecilia Perez, head of the NYPD task force assigned to investigate Sleepwalker, justifies the trope when she points out that crime is down 70% in the areas Sleepwalker patrols, and notes that getting rid of him might cause more problems than it solves.
* Shortly before the death of ''ComicBook/UltimateSpiderMan'', the Shield pointed out how dangerous an uncontrolled Spider-Man was when a battle between him and Boomerang did almost one million dollars in damages, when Boomerang was just robbing a jewelry store for a few dozens of thousands of dollars.
* On parting ways with the new Ultimate Spider-Man ComicBook/MilesMorales at the end of ''ComicBook/SpiderMen'', main universe Spider-Man gives him advice on being Spidey, which includes ''not'' sticking around after battles so as to avoid clean up duty. While this may be surprising for two such responsible-minded characters, it should be noted that if asked both would feel obliged to help no matter what else is going on, and considering the general crap-tastic time constraints a Spider-Man usually has on the average day, they just simply don't have that kind of time to burn.
* Played straight in an issue of ''ComicBook/IronMan'', when Tony Stark and Sasha Hammer have an all-out brawl in the middle of a busy highway, destroying a few passing cars in the process. Made absolutely hilarious when Pepper shows up and smacks Sasha with one of the destroyed cars, saying the owner gave her permission to use what was left of his car to beat the crap out of Sasha.
* Averted in an issue of ComicBook/SilverSurfer, where the Silver Surfer uses his powers to repair all the damage done to a city after his fight with the Enslavers.
* Consciously averted in Marvel's OfficialParody book ComicBook/NotBrandEchh, in a story where [[ComicBook/FantasticFour the Thing]] and [[ComicBook/TheIncredibleHulk the Hulk]] fight for six pages before an angry inspector from [[UsefulNotes/TheComicsCode the Comics Code Authority]] comes and chews them out, listing all the damage they have caused. Because the Hulk reverts to Bruce Banner just before the inspector shows up, the Thing ends up taking most of the blame, and gets stuck with the responsibility for repairing the damages.
* A problem in ''ComicBook/AllNewAllDifferentAvengers'' as Tony Stark, by this point, isn't the financial powerhouse he once was, thus the team has to go easy on smashing villains across town. Ms. Marvel is ''horrified'' when Nova decides to smother a fire by bringing down the entire building, especially since it's on her turf.

* The ComicBook/FantasticFour had a storyline that began as something of a HumiliationConga. First, [[IncrediblyLamePun their financial wizard disapparated with all their money]], then New York "thoughtfully" let them off the bill for all the damage that's been inflicted to New York during their battles ''on the condition they handed over their HQ''.

* A problem in ''ComicBook/AllNewAllDifferentAvengers'' as Tony Stark, by this point, isn't the financial powerhouse he once was, thus the team has to go easy on smashing villains across town. Ms Marvel is ''horrified'' when Nova decides to smother a fire by bringing down the entire building, especially since it's on her turf.

* This trope is either [[DeconstructedTrope deconstructed]] or parodied in the Marvel ComicBook/WhatIf story ''ComicBook/ThePunisherKillsTheMarvelUniverse''. In short, Frank Castle's family is killed in the crossfire of a superhuman battle and he, with the financial support of a group of people who've been similar victims of "collateral damage", goes on a RoaringRampageOfRevenge on the [[KillEmAll superhuman community]].

** In another story, She-Hulk works as a volunteer for Green Cross, an organization dedicated to cleaning up the damage caused by [[ComicBook/IncredibleHulk the Hulk]] and other gamma-radiation cases. The Green Cross leader and founder later reveals that he was the one who dared [[{{Sidekick}} Rick Jones]] to sneak into the gamma-bomb testing area, so [[TheAtoner he feels responsible for the very creation of the Hulk]].

* Consciously averted in Marvel's OfficialParody book ComicBook/NotBrandEchh, in a story where [[ComicBook/FantasticFour the Thing]] and [[ComicBook/IncredibleHulk the Hulk]] fight for six pages before an angry inspector from [[UsefulNotes/TheComicsCode the Comics Code Authority]] comes and chews them out, listing all the damage they have caused. Because the Hulk reverts to Bruce Banner just before the inspector shows up, the Thing ends up taking most of the blame, and gets stuck with the responsibility for repairing the damages.

** In ''Incredible Hulks, Hulk and his teammates devastated a space launching bay because they didn't want America to interfere with Hulk's son. When called about it, Banner said they killed no one, and rebuilding all of this would ''create jobs!'' (If bombing expensive high-tech construction was a good way to create jobs, terrorism [[ArtisticLicenseEconomics would fix economies]]).

* Marvel has also at times claimed that, despite having probably caused more property damage than Franchise/{{Godzilla}}, [[NoEndorHolocaust the Hulk hasn't actually killed any civilians during his rampages. Ever.]] ComicBook/AmadeusCho even claimed that Hulk didn't kill any ''military'', either.
* In one issue, Hulk and his teammates devastated a space launching bay because they didn't want America to interfere with Hulk's son. When called about it, Banner said they killed no one, and rebuilding all of this would ''create jobs!'' (If bombing expensive high-tech construction was a good way to create jobs, terrorism [[ArtisticLicenseEconomics would fix economies]]).

* In an earlier of Comicbook/TheAvengers where accountants were talking to the team, trying to account for all the damage caused during a fight with elemental golems. Most of the Avengers were dismissive about it, Thor left a bag of gold, ComicBook/IronMan reminded them that he was Tony Stark and could pay for it, and Cap... Cap handed over the parking ticket and the badge number of the officer who had ticketed the Quinjet when he'd made an emergency landing in an illegal zone. And the paperwork for having taken something out of a prison without filling in forms beforehand. The accountants loved him. An Avengers annual had the heroes touring a construction site. The employees knew villains would not be far behind (it ''is'' a construction site) and indeed, they showed up. Without the heroes knowing, the employees put the smack down on all the bad guys.

* In the "Guardian Devil" arc for Marvel Comics character Comicbook/{{Daredevil}}, DD mentions that New York City has a billion-a-year insurance policy on damages caused by superheroes.
* This trope is either [[DeconstructedTrope deconstructed]] or parodied in the Marvel ComicBook/WhatIf story ''Comicbook/ThePunisherKillsTheMarvelUniverse''. In short, Frank Castle's family is killed in the crossfire of a superhuman battle and he, with the financial support of a group of people who've been similar victims of "collateral damage", goes on a RoaringRampageOfRevenge on the [[KillEmAll superhuman community]].

** Similar, in the first issue of ''ComicBook/JMSSpiderMan'', Spidey ''levels down'' a building scheduled for demolition, to work out some anger issues, and the wrecking crew just call it a day.

* In the Comicbook/DoctorStrange miniseries ''The Oath'', after Night Nurse finishes operating on Dr. Strange after he is shot by an intruder, Strange jokes that he might still be covered under the Defenders' group health insurance plan. For reference, the Defenders were a somewhat mismatched superhero team-up that included the Silver Surfer, the Hulk, and Namor the Sub-Mariner.

** In another story, She-Hulk works as a volunteer for Green Cross, an organization dedicated to cleaning up the damage caused by [[ComicBook/IncredibleHulk the Hulk]] and other gamma-radiation cases. The Green Cross leader and founder later reveals that he was the one who dared [[{{Sidekick}} Rick Jones]] to sneak into the gamma-bomb testing area, so he feels responsible for the very creation of the Hulk.