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

Chicago Tribune

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. “We will be closed for a good while,” said manager Kyle Korab. “There isn’t one piece of glass that isn’t broke.” The business called its insurance company immediately. Now it’s waiting, nervously, to see if its claim is approved. “We’re not 100% sure,” Korab said. “They might find a reason to not cover it.” Most standard commercial property insurance policies cover riots and civil commotions. That coverage typically includes not only physical property damage but also income losses when businesses can’t operate as a result — including when access to the business is restricted by civil authorities because of damage to neighboring properties.

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