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jason812 wrote: ↑Fri Oct 30, 2020 7:03 pm In either situation laid out the owner doesn't win. If its me, control what you can and that is fight tooth and nail for what you built. If I'm going to lose, I'm going to lose on my terms.

TomV wrote: ↑Fri Oct 30, 2020 4:15 pm

Rob72 wrote: ↑Fri Oct 30, 2020 1:50 pm

philip964 wrote: ↑Fri Oct 30, 2020 11:56 am

seph wrote: ↑Fri Oct 30, 2020 9:03 am I would suggest to the car dealership to fight to rejection. His argument should/response should be since the local government is not calling it riots or domestic terrorism, it would have to be a simple case of vandelism. Peaceful protestors could not be terrorists.

WOW. I almost lost me breakfast typing that last line..

This is an awesome post.

Is my house not covered?

To the first point, legally what the State/local gvt. terms the event is irrelevant, the event legally qualifies as a state of social disorder/domestic terrorism.

Philip, no, your home would most likely not be covered.

I think this is a better question for your insurance agent. My wife, who is a desk adjuster, would cover your claim.

The answer you get could easily differ from one insurance company to another.

Before we closed down our offices, I had umbrella coverage above my standard coverage that did cover riots and such. It was not that much to add it so I always did. As for my home owners, I honestly don't know if it is covered. Embarrassing to admit. I should probably check on that. Until this year, I am one of those that would laugh at the idea of civil unrest in the suburbs.