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

https://www.bookmark-step.win/when-a-perfect-policy-fails-what-longtime-homeowners-often-miss-and-how-to-fix-it

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