The unrest in Baltimore over the death of Freddie Gray has resulted in some of the worst urban rioting the US has seen in recent years: shops were looted, car windows smashed, police officers injured and local businesses burned to the ground during a night of outrage at what some are describing as widespread police brutality. The rioting was so great, Maryland Governor Larry Hogan declared a state of emergency and a curfew for the city Monday night - actions that raise questions on just how personal and commercial insurance claims filed in the wake of the disaster will be handled.