The riot or civil commotion peril in homeowners insurance covers damage caused by violent disturbances, such as riots, protests, or public demonstrations that result in property damage. It protects the home's structure, personal property, and other insured structures from losses due to vandalism, fire, or looting during such events. Coverage applies only to accidental damages and excludes intentional acts by the insured or certain excluded circumstances.
The definition of a "riot" is typically determined by state law but is generally described as an assembly of three or more individuals engaging in force or violence against people or property. There is no strict distinction between a riot and a civil commotion. The inclusion of civil commotion within this peril broadens its scope to cover situations that are similar to riots but may not meet the exact legal definition of one.
AVERAGE COST PER RIOT OR CIVIL COMMOTION CLAIM:
Unknown due to the rarity
Due to the extremely rare nature of riot and civil commotion damage to homes, finding a concrete "average loss amount claimed per home" for damage is nearly impossible.
A sloppy inspection from your assigned insurance adjuster can cause your claim to be denied or undervalued.
Tiger Adjusters offers no-cost property inspections utilizing the latest technology to capture a full and accurate account of all damages.
Be honest — did you read the fine print of your insurance policy?
When property damage occurs, our team reviews your policy and provides expert advice on a recommended course of action for your claim.
We create a detailed loss estimate and file your claim plus complete all the required documentation.
It’s tedious work but when it comes to the value of your claim, the dollars are in the details!
Tiger Adjusters fully represents you in negotiations with your insurance company. We review the carrier’s inspection report, estimate, and settlement offer to evaluate if you are being paid fairly.
If not, we fight for funds for all covered damage so that you can repair and restore your property.
