The Omni Hotel in Atlanta was damaged after a night of violent protests, rioting and looting on Friday, May 29, 2020. (John Disney for ALM Media)
As much of the United States convulses in response to the death of George Floyd, an unarmed black man in the custody of Minneapolis police officers, it's some comfort to know that property damage caused by rioting, civil commotion and vandalism are covered under standard insurance policies, says Loretta Worters, vice president, media relations for the Insurance Information Institute (I.I.I.).
Here is an overview of the different kinds of policies and coverage that may be involved in any claims. Insured that don't have the right kind of coverage now can use this information to discuss options with an insurance agent or broker.
Damage to vehicles
Automobiles are covered under the optional comprehensive portion of an auto policy, Worters explains. This provides reimbursement for damage to the vehicle and its contents caused by fire, falling objects, vandalism or rioting.
"Comprehensive coverage will also reimburse you if your windshield is cracked or shattered," she adds. Some companies offer glass coverage without a deductible. Approximately three-quarters of U.S. drivers chose to buy this optional coverage as part of their auto insurance policy.
Damaged buildings and personal property
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.
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Rosalie Donlon
Rosalie Donlon is the editor in chief of ALM's insurance and tax publications, including NU Property & Casualty magazine and NU PropertyCasualty360.com. You can contact her at [email protected].
