re: antifa damage not covered?

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jurisprudence

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That word doesn't mean what you think it means are if you know the meaning it makes little sense in the context of your sentence. You may have been looking for the more mundane "precedent".

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

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You are correct in that they do not see it as "gaming". Insurance companies sell a product that 98%+ of the purchasers do not understand. The contract usually has a tome of boilerplate that throws everything in including the kitchen sink. They include language two Biglaw firms could bill thousands of hours fighting over...by design.

While the Insurance companies may not see it as gaming especially in mass claims events they will do everything they can to interpret their own language in a way that benefits their bottom line. Not a cruel view when the policyholder is a huge multi-national with high paid in-house counsel whose job it is to read, interpret and advise on the real coverage being bought and may well have the power to have parts of the contract rewritten. It is a whole other issue when a mom and pop store that just goes by their agents advice and buys the product they think they need.

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damages caused by of Acts of War

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Well, they are terrorists.

Insurance companies can deny a claim at their whim, but they risk a claim of bad faith denial. In a majority of states, that’s a tort claim, which means the potential damages are much higher. For example, punitive damages are possible, which aren’t typically available with a breach of contract claim. Many states have codified this as well, providing for remedies such as treble damages, attorney’s fees, etc.

There’s also a substantial plaintiff’s bar willing to bring these claims. I’m sure they salivate at a viable bad faith claim.

It is an act of civil disobedience and or terrorism. Both are excluded from most policies.
I’m quite sure insurance companies won’t hesitate to use these exclusions.

Damage to the physical part of a business and its contents that is caused by fire, riots, civil commotion or vandalism is generally covered under a standard Business Owners Policy (also known as a BOP).

Homeowners insurance
Standard homeowners policies will cover damage to the property caused by fire, an explosion, a riot or civil commotion, vandalism or malicious mischief. This would include coverage to the structure of the home, as well as any personal possessions.

Auto insurance
Damage to cars is covered under the optional comprehensive portion of an auto policy. This provides reimbursement for damage to the vehicle and its contents caused by fire, falling objects, vandalism or riot.

LINK

I thought their whole justification for rioting was that they had insurance so who cares

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I agree, my thoughts as well. But he was quite emphatic that his company was denying such claims. The problem there is that simply by denying a claim, the whole process of getting your property rebuilt would end up in court. And defense attys get paid by the hour.

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The problem here may be believing a stranger on a message board

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Damage to the physical part of a business and its contents that is caused by fire, riots, civil commotion or vandalism is generally covered under a standard Business Owners Policy (also known as a BOP).

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I’ve had an exclusion on my business policy since 911 for acts of terrorism and civil disobedience. Just pulled the policy and looked at it.