By now you've seen the video and pictures of Baltimore,Maryland, on fire in the wake of the death of 25-year-old FreddieGray who died from a severe spinal cord injury while in the custodyof Baltimore City police. The looting, attacks on police, and thesenseless vandalism have been graphically captured and splashedacross the Internet and network television for days. I wrote aboutthe riots in Ferguson, but that was another city in another stateand it was easy to just keep to the facts. I've called Baltimore myhometown all my life and even though I've always lived just outsideof the city, when someone asks where I'm from, I tell themBaltimore.

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I worked in the city for many years and even helped a formerMayor's office create a video promoting Baltimore's many uniqueneighborhoods. I have friends who live in the city and are workinghard to rebuild some of the economically depressed areas becausethis city has a lot of potential.

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The pictures on TV only capture a microcosm of the damage thathas been done to the city and the surrounding suburbs. From aninsurance perspective, based on where they're located in the cityand the fact the majority of the restaurants, bars and shopsaffected are what you'd call ''mom and pop” businesses, the chancesof them having business interruption insurance or even fullcommercial general liability policies to make them whole areremote. The same is true for homeowners whose homes have beendamaged by rioters and looters. Many do not have more than minimalhomeowners insurance if any to cover losses they might incur. Theeffects to them and the neighborhoods in which they are locatedwill be devastating.

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It's easy to replay the pictures of burning cars and buildings,and those are very real losses. The damage is widespread acrossmultiple neighborhoods in the city because some are using theopportunity as an excuse to perpetrate crimes and act out on theiranger and frustration. In their ignorance they fail to see thedamage they are doing to their neighbors, their neighborhood andprobably the only place they will ever call home.

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The full economic impact affects not just the city, but also thesurrounding counties. Consider the damage to Mondawmin Mall and thesurrounding businesses. The mall has been described as a disasterzone. At least four other malls in an adjoining county were closedand some stores in a large, upscale mall about two miles from thecity line closed early yesterday. Universities and colleges in thecity and county are closing early so that faculty and students canget home before the city's 10 p.m. curfew.

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A major fundraising gala for the University of Maryland's ShockTrauma Center was cancelled because of protests over the weekend.Two Baltimore Orioles baseball games were cancelled. The seriesagainst the Rays has been moved to Tampa Bay, and today theBaltimore Orioles and White Sox will play to an empty stadium. Nocheering crowds, no concession sales, no additional business forthe surrounding restaurants and bars, no parking revenue, no lightrail income, no souvenirs being purchased and no food or drinksbeing consumed in the stadium. Only a lot of workers off for theday without pay.

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The curfew itself will have a devastating effect. One small barowner says the curfew will cost him $10,000 a day–imagine that costmultiplied over dozens of small businesses. Companies are lettingemployees leave work early to either avoid the protests, complywith the curfew or to keep them safe.

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There will be insurance claims from the vehicles and structuresset on fire. According to The Baltimore Sun, 144 vehiclesand 15 structures were set on fire. Two conventions have beencancelled and at least one other conference is considering anotherlocation for their event next week.

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Community leaders, politicians, and other high-profileindividuals are calling for everything from peace to continuedpeaceful protests. Former Ravens linebacker Ray Lewis released avideo on Twitter calling for young men to go home and stayhome. He chose to skip a trip to Chicago for the NFL draft becausehe “felt that it was more important for me to stay in Baltimore andhelp the city that I love.”

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The problems the city faces go way beyond the death of one youngman. Not all of them will be able to be fixed with more money ormore time or a haphazard approach, and they definitely won't befixed with rioting, looting and vandalism.

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