Comments by "Screen Apple" (@screenapple1660) on "LA Fires: Surge of strong winds pose threat to California firefighting efforts" video.
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Real Life Fire Insurance: Whatâs Covered and Whatâs Not.... wow. Shocking and haunting.đłđ”âđ«
Fire insurance may cover things like smoke, water damage, or personal property inside the home, but when it comes to total loss, things get complicated. If your house is completely destroyed, many policies wonât fully cover the cost of rebuilding. Often, youâll be left with a payout thatâs nowhere near enough to reconstruct your home, especially if you donât have a policy that covers the full replacement cost. In many cases, insurance will deny claims or offer only partial payouts, citing limits on certain coverage types or exclusions. Small structures, like sheds or fences, might be covered to a limited extent, but the actual homeâs reconstruction could be underfunded or completely rejected, depending on the policy. It's incredibly frustrating for homeowners who thought they were protected, only to find their policy doesnât live up to their expectations when disaster strikes.
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