“Yes sir, I understand. And I am very sorry you feel your previous claim for water damage wasn’t settled fairly, and I do understand your skepticism. But Wayne Insurance’s rules on this matter are very clear. Any Gotham City insurance property policy automatically covers any damage from masked malcontents and super-powered individuals or vehicles, with no deductible and no rider cost.
We’re very sorry Killer Croc shattered your windows and ripped out a wall from your apartment. It’s 100% covered. If you need a place to stay until it’s fixed? That’s covered. If you have any medical expenses related to the attack?