Gotta check your policy. Home and business insurance is null and void in the event of insurrection or riot.
Just FYI, that changed on many policies starting in the 2000s, as a direct result of the LA Riots.
The new surprise is that the coverage then doesn’t *actually* cover nearly enough to replace losses let alone repair the building.
The way they deal with it afterwards is they refuse to renew the policy after such a loss and they don’t write new policies. If you can get a policy, it will list riot and insurrection as (somewhat) covered, but if you are in a riot area, they simply won’t offer a policy on a new building or business.