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Off My Mind: Are Heroes Responsible For Battle Destruction?

Is the damage our price for protection?

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When you have super-powered individuals fighting, there is bound to be destruction to their surroundings. Who should be responsible for paying for the damages? Obviously some of this was dealt with during Marvel's Civil War but I don't want to get into the argument about registering or if the heroes are properly trained to fight. 
 
City damage had been going on ever since Mole Man decided to send his creatures crashing through the pavement in New York City. We have seen the insurance company Damage Control in the Marvel Universe in the past. Is that all innocent civilians can do to protect their homes and surroundings? Are they forced to pay what ever high insurance rates exist to protect their belongings from "acts of superheroes"?  
 
Perhaps there is another solution that would save money for local residents. 
 == TEASER == 

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The incident at Stamford, CT involving the New Warriors and Nitro was unfortunate. We could argue that they shouldn't have gone after the house full of villains since they were trying to get ratings for their reality TV show. But this is something that heroes often do. They need to get the bad guys off the streets. Those villains in the house had serious warrants out on them. While most of the blame was put on the Warriors, some should also be placed on Nitro (which is what I believe Wolverine tried doing). 
 
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One solution is to force the villains to do some of the clean up as part of their prison sentence. The results of this can vary depending on their powers. If they have super strength, they could help sift through the rubble and such. If their abilities aren't of a physical nature, it could be a little difficult unless you simply hand them a shovel.  
 
There could be problems with getting the villains to perform some of the clean up. If their powers are dangerous, even under controlled circumstances, there could be the threat of harm to innocents. They might attempt to make a break or cause even more damage. There's also a matter of their civil rights (even if they are to blame for the destruction). Maybe it could be a choice to reduce their sentence if they help out. 
 
We've seen heroes help out from time to time. Bruce Wayne has set up foundations to help out in Gotham for various causes. Heroes already give so much of their personal lives in defending the innocent, should they give up more to help clean up the mess their battles cause? Should they have to join a union and pay dues that could go toward repair costs?  
 
Or maybe they could just get Jarvis to do all the cleaning.