When a Small Electrical Fire Started in the Wall: The Night I Learned What Insurance Actually Covers

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

You wake to a faint smell of smoke, the house quiet, the clock somewhere past midnight. At first you shrug it off. Then you see the orange glow through the bedroom doorway - a small flame lapping at the base of the living room wall