Perhaps someone should define this term racist that they keep hearing much about.
Racist :
adjective
characterized by or showing prejudice, discrimination, or antagonism against a person or people on the basis of their membership in a particular racial or ethnic group, typically one that is a minority or marginalized. "we are investigating complaints about racist abuse"
noun
a person who is prejudiced against or antagonistic toward people on the basis of their membership in a particular racial or ethnic group, typically one that is a minority or marginalized. "he has been targeted by vicious racists online"
I mean, that's a solid way out of it.
Insurance can request surveillance tape but they have no authority to demand or get it unless provided willingly. It would have to be provided by the property owner. They do also offer to pay for the tape if they feel it will show what they need.