Warning: Spoilers for Damage Control #3It's important for people living in the Marvel Universe to have insurance that covers damage caused by the Avengers' constant battles, but some heroes like Thor have a much greater impact on insurance claims than others.
Many fans might not be aware that Damage Control is an essential part of how the Marvel Universe functions on a practical level. They were originally an outfit that was responsible for cleaning up a lot of the destruction that is left in the wake of a superhero fight. However, the organization has been restructured to include the government and allow for citizens who have been affected by superhero battles to be compensated for whatever property, physical, and emotional damage they may have suffered.
In Damage Control #3 by Adam F. Goldberg, Hans Rodionoff, and Nathan Stockman, a worker at Damage Control named Gus is trying to find his right place in the organization. He bounces around between several different departments before winding up at insurance. He's dispatched to Trenton, where Thor is engaged in a fight with a giant fish monster. During this time, the Black Tarantula approaches Gus to put in a claim for a laundromat he was running for Hammerhead. Unfortunately, his claim is denied because the damage was caused by Thor, and since Thor is a god, any damage caused by him is considered an "act of God" and not eligible for coverage.
Thor Really Is A God
This scene is both very informative and hilarious, not the least of which because Black Tarantula burned the laundromat down himself to collect on the insurance. It shows that in the bureaucratic world of the Marvel Universe, different heroes are classified in different ways. It's not as clear-cut for Damage Control to just say that all superhero fights are the same. They probably have different classifications such as a mutant fight, a magical fight, or technology-based fight.
In this arena, Thor must be a pretty big wild card. The Asgardians have been labeled everything from gods to aliens. So for insurance, they must be in a completely separate category. It's likely that Damage Control would some forms of God-related destruction to be covered. After all, their ultimate goal is to help people, and that means offering the right superhero insurance. In the real world, insurance coverage for "Acts of God" can sometimes cost extra. And since Black Tarantula and Hammerhead are gangsters, they probably won't spend the to get God-tier insurance. So this just means that as far as the Avengers go, Thor has a very unique and problematic insurance status.
Damage Control #3 is now available from Marvel Comics.
