So, let's say your house has $100 in it, and you go out and steal $1000.
After the robbery, you see the message that "Someone is in your house, you can't return to it now."
If that robber is successful, they will only take the $100. When you finally return to your house (even after robbing multiple houses, looking at blueprints, or watching tapes), you'll find that your $1000 is safe and sound (including all loot and paintings that you've stolen).
This is a tiny bit like what you are talking about, though not as extreme.
It is possible to build "only rob me once" features into your house to prevent people from trashing it over and over and over (damage is only saved if they reach your vault or family and survive). I once had someone trash me over and over even though I had $0 and no wife left, just for revenge!
]]>i feel like this person wouldn't trust an insurance company with their money.
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