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Summary: The death of Freddie Gray in the custody of Baltimore police in April 2015 led to riots and destruction in the city. There were protests both peaceful and violent, and damage was estimated to be over $1 million. As is often the case, insurance questions arise. The exact nature of riots and civil commotion are discussed in the article Riot or Civil Commotion. The Maryland Insurance Department has brought a new factor into the situation, requesting carriers to not look for police reports and allowing moratoriums on placing new business.

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