War and rioting are specifically excluded losses in insurance policies. After 9/11, the ISO forms were rewritten to include something about terrorism. I think it might be just on commercial properties, and I think it is now an elective coverage, but I've been out of claims too long to be sure.
Also, there are reports of several people calling in to GET insurance on their uninsured homes as the fires grew closer. Of course they were denied; dumbasses.



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