When Smoke Traveled Through the Whole House: How a Single Night Rewrote My Insurance Reality

https://thehometrotters.com/home-insurance-is-the-conversation-most-homeowners-tune-out-until-it-is-too-late/

How pervasive chimney smoke turned a routine evening into an insurance fight I still remember the smell. It arrived like an invisible tide - thin at first, then thick and insistent