Do Insurance Companies Cover Riot Damage

Big companies also prepared for more damage sunday. Yes standard insurance policies usually cover damage that results from rioting looting vandalism and or civil commotion. Fortunately for them all of the insurance services office s causes of loss forms for commercial property insurance cover losses caused directly or indirectly by riot and civil commotion including looting that occurs at the time and place of a riot or civil commotion.

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Businesses homes and cars damaged or vandalized in the uprisings and civil unrest after the death of george floyd in minneapolis will be covered by most insurance policies.

Do insurance companies cover riot damage. Target closed or adjusted the hours of 175 locations across the country in response to the protests including 49 stores in california. Insurers say that damage from riots falls under property damage coverage. This would include damage caused by rioters as well as damage caused by the reactions of police and civil authorities during a riot. Homeowner and auto insurance policies can both cover damage from civil unrest johansmeyer noted.

The largest riot related insurance losses came after the 1992 los angeles riots according to. One unique challenge some businesses. Businesses across the country are suffering major damage from rioting and looting.