If the keypad is destroyed or the keypad fails, you buy another one and plug it in, if possible.
If the wires are destroyed or cannot be reached, then a safe locksmith or safe specialist is required. This would be the case if a fire or theft attempt occurred.
In any case the contents of the RSC/safe remain safe so long as the RSC/safe was not breached or the temperature didn't exceed the ratings, etc.
Main thing is the contents of the RSC/safe.
So, in the case of theft attempt or fire, your contents remain secure inside the RSC/safe, insurance pays for a new RSC/safe. You pay for getting the old RSC/safe opened and retrieve your contents and put into new RSC/safe.
This is really no different if you have a mechanical lock either. I guarantee an unskilled thief will attack the door and the external lock mechanism first, thus destroying the combination assembly and the other external stuff first. Many of the higher end safes have a glass plate inside the safe door which will shatter when a hard impact on the door or a drill attempt is made. Once that piece of glass is shattered, you need a safe specialist to open the safe.
Main thing is the contents of the safe, as insurance will cover the actual damage to the safe itself.
Cool thing about Cannon, if you read their warranty, they will pay to have the RSC opened and fixed for you in the case of theft attempt or fire. I don't think anyone else in the industry does this for free.
That pretty much explains it all.
Even the high end safe companies won't offer a warranty like this.
Hence, my preference for an RSC made by Cannon if you're going to go the RSC route. As for safes, I think the Amsec route is pretty good, but they still don't have the warranty of Cannon even though you'd pay a lot more for an actual Amsec safe (not RSC).