Also worth noting that any owner-occupied homes that were destroyed likely received nothing from insurance because most insurance policies specifically exclude damage caused by military or law enforcement action.

This also came up when police destroyed someone’s home trying to apprehend a thief who’d broken in to try to escape the police. They literally rammed a police vehicle through a wall of the home for example and the homeower was forced to sue their own police department to try to recoup any of the costs they created for them

If your home is badly damaged or destroyed by an event not covered by insurance you can be due tens or hundreds of thousands of dollars in repairs, it may not be occupiable until it is repaired, and you still have to pay your mortgage and taxes while you’re trying to figure out where to find a hundred thousand dollars to fix it on top of your new expense of renting some place to crash while the work is completed. Oh and replacing any belongings that were destroyed in the process too of course