Does Insurance Cover Damages from Riots In Rhode Island?

Does Insurance Cover Damages from Riots In Rhode Island?

With everything that has been going on with the election, we all know we are most likely going to see violence erupt throughout the country and as close to home as in Providence. As a homeowner or downtown business owner, you may ask – does insurance cover damages from riots in Rhode Island? The good news is yes.

Most insurance companies will cover damages from riots in Rhode Island. But there are different aspects of riot damage to look out for.

damage from riots in rhode island
Boarded up business after vandalism from riots back in June 2020 in Providence, RI.

Vandalism Damage from Riots In Rhode Island

Vandalism from the riots is the most common form of damage you will see, especially in a city like Providence. When protests turn violent and windows get shattered. It almost becomes a domino effect where once the first rock is thrown, the rest of the buildings are at risk.

Vandalism can also be classified as graffiti, theft, breaking and entering, and vehicles crashing into buildings. All are covered under standard business or homeowner’s insurance.

vandalism from riots in rhode island
Aftermath of a vehicle crashing into a building.

Fire Damage from Riots In Rhode Island

Although rare, arson is the most destructive form of damage you can have from the riots. If you experience fire damage from the riots in RI, it will absolutely become a tricky and expensive insurance claim. Leave it to the professionals to deal with.

Fire damage can be small and contained or it can engulf your entire property. Either way, following fire damage you will also have smoke/soot damage, water damage (from the fire department putting out the fire), and if you don’t call a fire damage restoration company in time, potentially mold damage.

business interruption fire damage from riots in rhode island
The inside of a restaurant after fire damage.

Business Interruption from Riots In Rhode Island

After vandalism or fire damage from the riots, it can be expected for you to have business interruption. This is when property damage disrupts your business and you lose out on income due to shutting down. It can be tricky to handle business interruption insurance claims on your own, so it is vital to use a public adjuster to handle all of the work when filing a claim with your insurance company.

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What to do if you have property damage from the riots?

It is extremely important to call the police once your property has experienced any kind of damage relating to the upcoming riots. Once a police report has been filed, a local restoration company in RI will be able to stop and further damages from happening and begin the restoration process, saving you money in the long term.

After any future damages to your property have been prevented, our work of representing you against your insurance company and getting you the most money possible out of your insurance claim begins. The earlier you hire a public adjuster in Rhode Island, the better outcome you will get for your settlement. 

Stay safe, Rhode Island.

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