Let the same people pay for the damage that paid for the calamity of the civil war: the ones who started it.
I lived in So Calif during the Watts Riots & the King riots.
I have done accounting/bookkeeping ALL of my adult life.
I NEVER heard of a single insurance company paying for damages due to RIOTING ARSON INSURRECTION or any such behavior.
Buildings in Watts—which was burned down in 1965-—still are NOT rebuilt. NO insurance company will even insure the construction process.
The mantra that insurance will cover these damages is wrong.