Even assuming their insurance will cover this, which is a big assumption given insurance policies.I’ve seen multiple people do it. When called on that very fact. They usually respond with “they have insurance!” Or. “You care more about property then lives.” So stupid people.
It will be years before those people see any money, and there's no way they will get the full value of everything that was destroyed. Which means those businesses are effectively done for.
And those buisnesses being done for? That means those neighborhoods are effectively dead.