Never had one police call or hostile incident.

Since the installation, I've noticed no incidents... other than a young couple having sex in an SUV in my driveway. 

Not directly applicable to your situation, but an acquaintance of mine got into a lot of trouble in a slip-and-fall incident because she tried to DIY the insurance.

There have been incidents of new apartment buildings partially collapsing because the developer decided to maximize profits and skimp on the materials. 

Last I heard, it's a $900 per incident fine for not following the regulations. 

I would like to assume that the lease states what can be done with the security deposit, or that the tenant is responsible for any and all damage they do.Make sure you are taking pictures because sometimes insurance companies will want to make sure that you are taking care of the incident to further prevent damage.

(Doesn't want to deal with investing after this incident perhaps?)

Since its a terrorist related incident I'm pretty sure that won't be covered under the building owner's insurance policy.

Insurance company and adjuster will ask why you or they didn't make the claim when they became aware of the incident?

My way, they get a single chance for possibly an isolated incident.