Suppose that you own a home in the United States, and there's quite expensive furniture and equipment (eg. music studio equipment) there. Also suppose that the police is chasing a criminal, and said criminal, fleeing the police, breaks into this home of yours when you aren't there, and the police follows him in order to apprehend him. While breaking into your home and searching for the criminal, the police destroy doors, windows, drywalls, cause extensive damage to expensive furniture as well as all the expensive equipment and electronics. They also shoot your two dogs dead, that happened to be in your home.
The total amount of damage is absolutely enormous. Fixing and replacing all the destroyed doors, windows, walls, furniture and electronic equipment ends up costing you literally hundreds of thousands of dollars. In fact, so much so that you can't even afford it, and you go bankrupt and homeless. You have to sell your home in order to pay your loans, and even after that you are still in deep debt. Not only did you lose personal property worthy of hundreds of thousands of dollars, you became homeless and deeply indebted for life, and might even face prison time because of unpaid debts.
So, is the police department, or the city, or the state, or the federal government responsible for this, and thus do they need to compensate you for the damage that the police did to your property, when they were pursuing this random criminal?
If you answered "no", then you would be completely right. The government doesn't need to pay you a single penny. Nothing. The police, who destroyed your home and your property, carry no responsibility whatsoever. This even if they demonstrably destroyed more than they would have needed to.
This is an incomprehensible hole in the interpretation of the United States Constitution. Normally if the government appropriates your property, the Constitution demands you be compensated fairly for it. However, for one reason or another courts have ruled that destroying your property is not appropriating it. In other words, there is no "you break it, you buy it" principle in this case. And if the police had a legal reason to break into your home (in this case pursuing a criminal who had entered it), then they are not liable for either the entering nor the destroyed property.
In other words, you just lose everything they destroyed, and there's absolutely nothing you can do about it. It's your loss, 100%. And the people who destroyed it are not liable nor responsible in any way.
On top of that, chances are that even if you had property insurance, the insurance company will refuse to pay a single penny as well, because of the reason that the property was destroyed. So you are completely screwed, even if you had expensive insurance.
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