How can you learn what _not_ to do if you don't fail (in this case, get hurt)? Basically, you're practicing, and developing your skills. I completely understand the insurance deductible thing, though.
"Unforeeseen and unpredicatable"? No, the result of bad decision making. It faces south, what did they expect? Clearly the appearance of the building was more important than the 'unexpected side-effects'.