We live under an approach to Logan Airport (BOS), about 20 years ago a British Ariways flight loses a chunk of its flap, which is a flat- ish piece of wing-shaped aluminum that weighed maybe 100 lbs. Tumbles down a few thousand feet and bounces off the roof of a house about 300 feet away from mine. bounces again off the family car and lands on the driveway. Family is inside having a holiday dinner, family includes a couple of attorneys BTW. You can probably guess how this turned out for them.
My wife asks me if we're insured for that sort of thing, I say "Sweetie...we only need insurance if our house hits their plane."