When Smoke Destroys Your Stuff Before the Walls Give Way: What Homeowners Miss

https://www.scribd.com/document/990408050/Personal-Property-Coverage-Why-Long-Time-Homeowners-Who-Never-Filed-a-Claim-Often-Get-Caught-Off-Guard-223673

Most homeowners assume their structure policy alone protects everything inside. You see a healthy roofline and stable drywall and tell yourself, "If the house is fine, the stuff must be fine