Nuisance does not require proof of negligence on the part of the Defendant. It does not require the Plaintiff to prove the Defendant caused it. It requires the use of land or adoption of use, detrimental to the Plaintiff’s use of his land.
Owners of property are generally aware of the need to take out insurance policies against loss or damage to the property. It is foolish to think, for instance, that if something falls from the sky onto a building, a viable claim in negligence will subsist against some person to pay for the damage caused to the building. Furthermore, as a practical matter, it is foolish to think that even if such a claim were to validly subsist, that that would be easily converted into the full recovery of that compensation.