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Police tear gas protestors in the streets outside the Republican National Convention September 2, 2008 in St. Paul, Minnesota. (Photo by Max Whittaker)

While disasters can happen at any moment, sending catastrophe adjusters all over the nation to handle the massive claims that can result from a disaster, these are usually calamities that no one sees well in advance.

As one of the co-authors of Catastrophe Claims — Insurance Coverage for Natural and Manmade Disasters, there was one type of disaster that I did not discuss in my chapter on manmade dilemmas — the urban riot.

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