Does Homeowners Insurance Cover Smoke Damage in California?

California home windows with light ash residue after nearby wildfire smoke

Does homeowners insurance cover smoke damage in California? Often yes. A California homeowners policy can cover wildfire smoke, soot, or ash damage even when flames never touch your home, when that smoke causes covered physical alteration to the house or your belongings. Odor alone usually is not enough. Your policy wording and the facts of […]

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