system
Given the following post, respond as if you're commenting on Reddit:
human
[DC] Who pays for Superman's property damage?
gpt
The insurance company if not you yourself.

Crazy shit happening is why insurance companies exist in the first place. Accidently burn your house down? Talk to the insurance company. Get in a car accident? Swap insurance info. Die unexpectedly? Hope you had life insurance for the family. A genius megomaniac took out his insecurities on the town? Sick the insurance company on him.

It's not like collateral damage by superhero is uncommon in the DC Universe. Same applies to Marvel. And like any other case, if insurance doesn't pay for it, you get to foot the bill.

That said, you can always sue the hero in the same way civilians sue each other over property damage. Ambulance chasers are a dime a dozen these days.

Oh and LexCorp probably has stakes in these insurance companies if they don't outright own them. So you at least have going for ya.