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

https://technivorz.com/replacement-cost-vs-actual-cash-value-5-critical-questions-to-decide-which-coverage-protects-you-best/

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