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

https://highstylife.com/when-replacement-cost-coverage-is-actually-enough-a-guide-for-homeowners-with-5-15-years-in-the-house/

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