The store owner probably has his life savings tied up in that store. Who would ever want to buy it? If he has insurance then he would be better off if they rioted and burned it to the ground.
There is NO insurance payout with a riot.
Ask the store owners from the WATTS riots of the 60’s. Many of those stores have not been rebuilt because there was no insurance, and NO INSURANCE company will insure a contractor with a rebuilding.