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

https://emilianoakpv703.wpsuo.com/when-smoke-ruins-more-than-walls-what-i-tell-people-about-smoke-damage-claims-and-local-coverage-traps

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