“ I suspect that the owners of these stores might have something to do with it. They hire “looters”, then turn in big insurance claims,”
I don’t think most insurance covers civil unrest.
Most large stores are self insured. It would serve no purpose to hire looters.
Personally I would equip all doors with a lock that is opened by inserting a valid credit or debit card. Don’t want the store to know who you are? Don’t come in.