If it applies, it means the homeowner would be out of pocket for most costs if the home is damaged.
Weeds have “evolved to grow in unsettled earth and damaged landscapes”–ploughed fields, say, and bombsites.
The characters may not know it, but the changing tides of culture have damaged them as much as those of government.
(also damned) Cursed; accursed; wretched: What do I do with this damned thing? adv: You seem damn stupid all of a sudden
(also damn it) An exclamation of disappointment, irritation, frustration, etc: Damn, it's gone!
To execrate; condemn; curse: Damn this dictionary! (1770s+)