Haha this is so great. I wonder if his fellow heroes are insured. Although I'm not sure putting organics back together would be a clean process. This could go pretty deep where side effects start appearing and he realizes the way his power work is kind of dark and he's actually rewinding time on a micro level or something. Or that he's been tricking the cosmic capitalist force that granted him this power by saying stuff is insured but actually isn't and he has to start a campaign to insure the entire world as a technicality.