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Insurance should help businesses damaged
during unrest, but merchants question
whether it will be enough

Original Article

Posted By: AltaD, 6/3/2020 8:53:42 AM

The looters who on Sunday ransacked Z Smoke Shop, which has been selling glass pipes and vaping products in Logan Square for eight years, left behind not only major damage but also empty shelves that could take weeks to fill.(Snip) On Tuesday, Mayor Lori Lightfoot said the city would push insurers to pay claims immediately. “No red tape, no bureaucracy, get your agents out in these neighborhoods and start cutting checks,” she said during a news conference. “These businesses desperately need the monies to which they are entitled.”


The mayor who couldn't or wouldn't to her job and protect the city from riots is telling insurance companies how to their job?

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Reply 1 - Posted by: zephyrgirl 6/3/2020 8:56:14 AM (No. 430629)
The owner just might take any insurance money and leave the area. Why open up another shop that can't be insured and is a future looting target?
22 people like this.

Reply 2 - Posted by: sanspeur 6/3/2020 9:07:06 AM (No. 430648)
I thought insurance ONLY goes to owners ? Don’t most businesses rent their space ? And why even if the loss is “covered” is that ok ? The cost will be diffused out to more non guilty parties . Costs not borne by the guilty anarchist ..
10 people like this.

Reply 3 - Posted by: Pook60 6/3/2020 9:13:56 AM (No. 430656)
Yeah. More of that ''free money'' Democrats like to pretend floats around everywhere.
8 people like this.

Reply 4 - Posted by: greyseal 6/3/2020 9:14:18 AM (No. 430658)
As anyone in the city in business will tell you, the insurance covers the building and will go to the owner. Those leasing storefronts will lose big time as they typically don't insure their inventory unless it's high-dollar and doesn't move quickly (i.e. $2.4 million dollars worth of Rolex watches looted this weekend or Apple display inventory). See the cartoon on Lucy's main page - poor Carl will likely be out of business and bankrupt after the looters take all the TVs. greyseal
11 people like this.

Reply 5 - Posted by: ROLFNader 6/3/2020 9:15:21 AM (No. 430661)
I would imagine that the business owners would be leasing the space. But the contents (and probably the improvements and betterments) of that space are the responsibility of the lessee . Also, if you do not replace the contents, the settlement is on a actual cash value basis, not replacement cost at the time of loss, in most cases.
5 people like this.

Reply 6 - Posted by: DARling 6/3/2020 9:16:39 AM (No. 430663)
The mayor and governor did nothing to prevent the destruction. They should be ashamed and avoid posturing. It is clear that liberal-run areas did not want to police their brethren and risk a lack of support come election time.
11 people like this.

Reply 7 - Posted by: jimincalif 6/3/2020 9:39:40 AM (No. 430686)
Insurers will have to pay covered claims, but expect them to cancel policy renewals in these areas, or raise the premiums a lot to cover the risk of doing business in a city that does not protect its citizens’ property.
17 people like this.

Reply 8 - Posted by: Mayberry 6/3/2020 9:45:17 AM (No. 430694)
Most of the times, war or insurrection are not covered. Or has that changed?
6 people like this.

Reply 9 - Posted by: cor-vet 6/3/2020 9:46:30 AM (No. 430697)
I'll be surprised if insurance covers mass insurrections. Simple vandalism, maybe, but riots and mass destruction?
8 people like this.

Reply 10 - Posted by: NorthernDog 6/3/2020 9:51:00 AM (No. 430702)
We'll soon hear Democrats cry that Trump doesn't have an adequate supply of plate glass windows on hand.
6 people like this.

Reply 11 - Posted by: HotRod 6/3/2020 10:25:17 AM (No. 430745)
Looters should be fined the maximum amount under the law, and the money put into a fund for destroyed business. Also, go after the funds of Antifa, the terrorists, and other organizations sponsoring the destruction. Use that money too. Arrest the rich people,, whether it be Soros or Hollywood celebs, and fine them heavily for aiding and abetting criminal acts. These people all have to hurt and suffer for what they have done. Fines and prison are good deterrents every time.
3 people like this.

Reply 12 - Posted by: DaBigGuy 6/3/2020 10:26:37 AM (No. 430749)
They wouldn't desperately need the monies had you done your job, Lightweight.
6 people like this.

Reply 13 - Posted by: bhkat 6/3/2020 10:51:09 AM (No. 430778)
If the political leadership did their jobs and allowed the police to do theirs, they wouldn't need to see if insurance covers the damage.
4 people like this.

Reply 14 - Posted by: Strike3 6/3/2020 11:02:59 AM (No. 430803)
That's it, rebuild and restock immediately so the animals can destroy your shop again. Very sound advice from mayor light-brain. I wonder how many insurance companies are going to automatically pay since the democrats allowed the damage to happen? It would be like pushing your car over a cliff and demanding a new car.
4 people like this.

Reply 15 - Posted by: DVC 6/3/2020 11:27:27 AM (No. 430851)
Hmmm. Let me think. Whose fault would it be if a company didn't get enough insurance to cover a total loss of their merchandise and/or store? Hard to figure, I mean this is so complex 🙄.....perhaps it is the fault of whoever chose the policy limits? Whining about not enough insurance should be done in the bathroom, facing the mirror, so you can look the culprit in the eye.
3 people like this.

Reply 16 - Posted by: Chuzzles 6/3/2020 11:38:42 AM (No. 430869)
Will insurance actually pay after riots though, that is the big question. I have been seeing reports that some business owners might not get to be reimbursed, thanks to the insurance company's rash about riot damage. These fools only hurt the low income and elderly folks who cannot get to other stores without help, and that is sad. But you get what you elect, and therein lies the rub.
1 person likes this.

Reply 17 - Posted by: Krause 6/3/2020 11:52:34 AM (No. 430892)
Think about the increased insurance costs, too.
2 people like this.

Reply 18 - Posted by: heartsurgeon 6/3/2020 12:54:29 PM (No. 430945)
Expect future business policies to either become very expensive, or exclude looting, or probably both.
1 person likes this.

Reply 19 - Posted by: DVC 6/3/2020 2:02:10 PM (No. 431010)
#18, but only in the blue cities where the idiot Dems rule.
0 people like this.

Reply 20 - Posted by: msjena 6/3/2020 2:24:47 PM (No. 431035)
The City has no authority over insurance companies.
2 people like this.

Reply 21 - Posted by: preciosodrogas 6/3/2020 3:03:26 PM (No. 431072)
The Mayor may find that the insurance companies may push right back at her. What does "push" mean? That sounds nefarious. Is the mayor suggesting that she will put undue pressure on the insurance companies? Is she threatening impermissible action against the insurance companies if they do not obey her orders (or "push") to forego their rights to fairly determine the sums they must pay under the terms of the policy? Will the insurance companies have a claim against the city for contractual interference? or for a government taking of property without due process. Does "push" mean she will use her influence to bring down the wrath of the rioters on them for failing to do what she tells them? Or is it just the mayor spewing her smoke in the face of the little people who do not matter all that much - you know, tough luck, you got to break a few eggs to make an omelet. What's more important a bunch of little businesses that probably would have failed or fundamentally changing the US? It's not a war or insurrection, it's a revolution - right, Mayor? On the other hand how are the insurance companies going to sort out the riot damages from the COVID-19 damage?
2 people like this.

Reply 22 - Posted by: Pete Stone 6/3/2020 3:04:39 PM (No. 431074)
In a conversation with an expert yesterday, I learned that most insurance policies don't cover terrorism. Terrorism riders are available but they are expensive, and most buyers elect not to buy terrorism coverage, So? So once Antifa gets listed as a terrorist organization (which it is), a lot of owners of buildings damaged or destroyed in Antifa riots will be SOL.
4 people like this.

Reply 23 - Posted by: ColonialAmerican1623 6/4/2020 1:10:04 AM (No. 431638)
Just remember, if insurance companies pay, all of us will have massive premium increases. Insurance is a 'pool' How long before they 'demand' federal funding? They are still passing out stimulus money and taxpayers are on the hook. The government has no money of their own.
1 person likes this.

Reply 24 - Posted by: mifla 6/4/2020 5:02:33 AM (No. 431704)
The insurance company should refuse to pay in cases where the cops/gov did nothing to stop the destruction.
0 people like this.

Reply 25 - Posted by: Bohallx 6/10/2020 11:14:17 PM (No. 440489)
State laws require regular (usually quarterly) reassessments of RISK.... so just about all the people who suffered from the riots are going to find their insurance rates GOING UP REAL SOON!
0 people like this.

Reply 26 - Posted by: judy 6/11/2020 7:12:00 AM (No. 440675)
Why won't they file suit against the rioters or the city for refusing to protect their property? ? The building owner's insurance covers the building, the business owner's insurance covers contents etc. Insurance rates will so high business & building owners will pay the price. Rates are determined annually in the county or city by the amount paid in claims.
0 people like this.

Reply 27 - Posted by: ussjimmycarter 6/11/2020 11:20:03 AM (No. 441010)
Insurance is never enough unless one makes certain they are properly covered! And...rebuilding in one of the nuked out areas should demand a tripling of future premium payments by the insurance company...unless they are insane!
0 people like this.

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