When Smoke Travels Through the Whole House: Why That Moment Rewrites the Replacement Cost vs Actual Cash Value Question

https://www.ready-bookmarks.win/the-complacent-homeowner-why-a-decade-without-claims-can-mask-dangerous-coverage-gaps

Cooking and wildfires are the top triggers for whole-house smoke contamination, and the cost consequences are often far bigger than people expect The data suggests cooking is the single largest cause of reported home fires, and recent