re: antifa damage not covered?

It’s excluded.

There’s often an exemption for riots and such. Many of these claims will not be paid.

I hope these stupid bastards enjoy their communities turning into ghost towns.

Acts of Terrorism and Riot are two different things. I linked the Terrorism Risk Insurance Act in an earlier post.

An insurance company can’t just say something is an act of terror and deny a claim. There is a detailed process that the federal government must follow and the feds must certify that something is an act of terror before insurance companies can deny coverage (assuming terrorism coverage was rejected by the insured).

There’s no “glossy wording”, just go read your homeowners policy and if there is an exclusion for riot, you’re not covered but I promise that the vast majority of your policies won’t have it....BOPs either.

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since Riot and Vandalism are standard covered perils in most policies.

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Are they? I really don’t know.

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Property damage caused by riot, civil commotion and vandalism are generally covered under standard auto, business, and homeowners insurance policies.

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I would think that it wouldn't be a big argument if the rioting and vandalism was mitigated and gotten under control. When half of a large city is on fire, insurance could probably argue against it more as arson. What would stop a shop owner from going and torching his own place in the middle of all this for the insurance and then they just leave anyway.

Are these insurance companies also donating to BLM? Are they reimagining their workforce?

The exclusions kick in for acts of war or terrorism. These need to be officially declared by congress.

General “rioting” should be covered under a standard ISO form.

the cards are stacked against the small business owner. property taxes and insurance will be required payments through the multiyear settlement process. the mortgage company will be a dominant partner in the settlement getting there share taken care of first. County will want the property cleared immediately for big bucks. inventory and equipment will be paper nitemares to value. if the business has a an opportunity separately to declare bankruptcy and have the owner walk away that is a very attractive option. during the several year settlement process the business will generate no income for the owner. far more attractive to start over again with a new job/venture. interesting to note that any insurance payment is an offset to fema disaster assistance

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I suppose they can “deny” a claim for any reason but I’d be shocked if it held up in court since Riot and Vandalism are standard covered perils in most policies.

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This. You’re absolutely correct. The insurance is trying to get out of paying hundreds of millions by calling it insurrection/war. They will probably lose on court. But how many insureds have deep enough pockets to fight the insurance companies lawyers? You know they will file motion after motion to delay trial and beat the plaintiffs through attrition.

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Claims are not denied because insurers are trying to game anyone.

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lol