Thread regarding State Farm Insurance layoffs

Is riot and civil insurrection covered under the fire policies? Are we paying those losses?

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| 1419 views | | 6 replies (last )
Post ID: @OP+15hrgTdD

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There is in fact a war exclusion. It has to be a “declared war.” Only Congress can vote/declare war-not a president or certainly not by public sentiment or opinion. Zero probability Congress would declare war on its own citizens.

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Post ID: @nmn+15hrgTdD

There is a WAR exclusion on auto and HO policies. That would exclude coverage for acts of war such as invasion, insurrection, revolution, military coup and terrorism. Hopefully things don’t go so violent as to be considered acts of war, but anything is possible I suppose.

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Post ID: @aow+15hrgTdD

Yes, every standard HO policy specifically covers riot, vandalism and civil commotion. Comprehensive coverage in auto provides the same. There was a push, and ultimately a requirement to provide in the late 1960’s across the industry.

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Post ID: @mis+15hrgTdD

Guess someone didn’t pass their licensing test. Wharves

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Post ID: @bxk+15hrgTdD

I dont think it is. There is an exclusion in the fire policies, not sure on auto.

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Post ID: @bqj+15hrgTdD

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