Collect any insurance. Move to a community that appreciates you. Do this ASAP.
Sorry. No insurance company is going to pay for losses or damage due to riots, civil unrest or war. It’s the very first disclaimer to an insurance policy.
That’s why businesses that get looted in civil unrest are closed permanently. The cash inflow stops, the inventory is gone or destroyed, and the vendors and banks are still owed.
Unless it is a very large company, say McDonald’s, or maybe even the ‘Quick Trip’ that was looted and burned the first night, that can absorb the local losses over a very large balance sheet of an international chain, it’s basically corporate and often personal bankruptcy, too, for the owners.
In short, their *is* no store to re-open. The store isn’t the physical building, the store is the owner/entrepreneur, who’s credit rating is now destroyed. Even if the individual has the financial wherewithal to rebuild and reopen; once you get mugged like that, you generally don’t return to the location of the mugging for any reason.
Poverty doesn’t cause crime. Crime causes poverty.
Collect any insurance. Move to a community that appreciates you. Do this ASAP.
How many small business people in Ferguson who have been wiped out by the riots, will want to rebuild there in Ferguson? I would bet that very few will want to remain there after all of this.