Will insurance pay for losses and damages resulting from the riot in Baltimore?

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[ARCHIVED THREAD] - Will insurance pay for losses and damages resulting from the riot in Baltimore?

Posted: 4/30/2015 10:08:48 PM EDT

Has this been discussed somewhere already?

I got to wondering if the stores that were looted and burned in Baltimore would be covered by their insurance.

I think some policies exclude damage and loss resulting from riot, civil commotion or mob action; or any act or omission by the government in connection with the prevention or suppression of a riot, civil commotion or mob action.

What about folks who had their personal cars destroyed?

Anybody know?

There is no way would I rebuild a business in that area, but I saw a report that a burned out pizza place planned to rebuild his place.

Posted: 4/30/2015 10:11:35 PM EDT

[#1]

I'm curious as well.

Speed

Posted: 4/30/2015 10:12:35 PM EDT

[#2]

Probably not.

Posted: 4/30/2015 10:13:11 PM EDT

[#3]

I think it was discussed in some of the Ferguson threads but dont remember what the consensus was.

Posted: 4/30/2015 10:13:55 PM EDT

[#4]

Mine would not. Business or homeowner's. My rentals do, as vandalism and all.

Posted: 4/30/2015 10:17:03 PM EDT

[#5]

Check your comprehensive on auto policies.

Businesses generally have coverage. Homeowners maybe less likely.

I searched around and it seemed common to have coverage.

http://www.bizjournals.com/stlouis/news/2014/08/12/ferguson-crisis-most-business-insurance-covers.html

Posted: 4/30/2015 10:17:27 PM EDT

[#6]

My insurance excludes civil unrest specifically. It's landlord's insurance.

Posted: 4/30/2015 10:19:56 PM EDT

[#7]

Most homeowners policies cover riot and civil commotion, but exclude war.

Posted: 4/30/2015 10:23:22 PM EDT

[#8]

Quoted:
Has this been discussed somewhere already?

I got to wondering if the stores that were looted and burned in Baltimore would be covered by their insurance.

I think some policies exclude damage and loss resulting from riot, civil commotion or mob action; or any act or omission by the government in connection with the prevention or suppression of a riot, civil commotion or mob action.

What about folks who had their personal cars destroyed?

Anybody know?

There is no way would I rebuild a business in that area, but I saw a report that a burned out pizza place planned to rebuild his place.

View Quote

i'm an adjuster at a insurance company. depends on what the policy says. in NC, it would not be. nuclear war, civil war are also not covered. i think it may be something that the .gov ends up paying for, but i dont know.

Posted: 4/30/2015 10:23:31 PM EDT

[#9]

It is probably state specific.

I assume most home owners don't have coverage without a rider and most businesses do have coverage. I think that would probably be correct for most places.

I used to have to buy terrorism coverage separately and I think it might be in a typical business policy nowadays.

I honestly don't know. I have great agent and really don't pay much attention to it like I should.

Posted: 4/30/2015 10:47:23 PM EDT

[#10]

I have asked this very thing of several people in the Ins industry, they all pretty much agree it will be spotty coverage at best. Most policies do exclude riots, war, etc. And, probably the Ins Co's would go after the city of Baltimore for going on T.V. and saying, ''We going to give them space to destroy'' and then having the police stand down.

Posted: 4/30/2015 10:49:38 PM EDT

[#11]

All of the policies I've ever read (home, life, auto) have had a clause saying they wont pay out if the loss is the result of a riot, or war, declared or undeclared.

Posted: 4/30/2015 10:52:27 PM EDT

[#12]

Quote History

Quoted:
Probably not.

View Quote

Especially since the mayor pretty much admitted they allowed it to happen.

The companies should tell their customers they need to sue the city. Perhaps even providing them representation.

Posted: 4/30/2015 10:53:40 PM EDT

[#13]

Quote History

Quoted:

Especially since the mayor pretty much admitted they allowed it to happen.

The companies should tell their customers they need to sue the city. Perhaps even providing them representation.

View Quote View All Quotes

View All Quotes

Quote History

Quoted:

Quoted:
Probably not.

Especially since the mayor pretty much admitted they allowed it to happen.

The companies should tell their customers they need to sue the city. Perhaps even providing them representation.

Posted: 4/30/2015 11:00:28 PM EDT

[#14]

Quote History

Quoted:
All of the policies I've ever read (home, life, auto) have had a clause saying they wont pay out if the loss is the result of a riot, or war, declared or undeclared.

View Quote

Same here

Guess this is my underwriter

Posted: 4/30/2015 11:02:49 PM EDT

[#15]

Probably not. Personally, I would sue the city for damages lost since they stood by and did nothing

Posted: 4/30/2015 11:03:20 PM EDT

[#16]

Depends on the state and insurance company.

Riot,war,nuclear risks, and a few others are usually not covered in most policies.

Posted: 4/30/2015 11:04:40 PM EDT

[#17]

I was wondering about this yesterday.

Posted: 4/30/2015 11:31:12 PM EDT

[#18]

Having business property insurance and homeowners insurance, all from different agents and companies, and those companies have varied over the years, I've never seen a policy on either one where civil unrest wasn't specifically excluded.

BTW this is a multi time DUPE

Posted: 4/30/2015 11:34:06 PM EDT

[#19]

Quote History

Quoted:
I have asked this very thing of several people in the Ins industry, they all pretty much agree it will be spotty coverage at best. Most policies do exclude riots, war, etc. And, probably the Ins Co's would go after the city of Baltimore for going on T.V. and saying, ''We going to give them space to destroy'' and then having the police stand down.

View Quote

I could see the insurance company covering, but then suing the FUCK out of the city thanks to Mayor McTwat's incredibly stupid statement.

Posted Via AR15.Com Mobile

Posted: 4/30/2015 11:38:46 PM EDT

[#20]

Google is your friend.

Insurance companies have paid out big in all of the recent riots.

Posted: 4/30/2015 11:42:09 PM EDT

[#21]

Quote History

Quoted:
Probably not.

View Quote

nope. most every single policy is void in case of riots.

Sue the mayor and police chief for telling their people to stand down while thugs looted, burned, stole shit, and assaulted.

[ARCHIVED THREAD] - Will insurance pay for losses and damages resulting from the riot in Baltimore?

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