P.R.E. (Portland Reasonably Expected)-Existing Condition

From Duh! news:

Insurers Balk at Covering Portland Businesses; Brokers Say Downtown Upheaval Has Made Carriers Wary
The Oregonian | 12/12/20 | Jamie Goldberg

Eric Murfitt watched helplessly from a live security feed as looters trashed his downtown clothing store, Mercantile, during a riot on May 30. Murfitt said the business suffered $1 million in losses due to the break-in and had to file an insurance claim to stay afloat.

But in November, Murfitt was informed that his insurance carrier would not be renewing the store’s policy. Nearly a dozen other insurance companies declined to even offer Mercantile a quote.

So earlier this month, Murfitt settled for a policy that nearly quadrupled his premium, had a significantly higher deductible, included a much smaller cap on coverage related to robbery and excluded any property damage related to civil unrest.

He said the store still has boards on its windows and he is now keeping the door locked, even when the store is open, unlocking it only to let customers inside.

Murfitt’s Law: If something can go wrong because of liberals, it will.

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