The people most screwed after fire are those uninsured or severely underinsured. The second most are the people whose house didn’t burn but they are in the middle of a disaster site. Insurance typically pays for cleaning and for additional living expenses for you to live elsewhere while that is happening. For a heavily smoked house they will remove and clean all clothes / fabrics, etc., throw away things that can’t be cleaned (couches if bad enough) and then scrub all surfaces with special cleaners and sponges. They may also use ozone and other air treatments. They are pretty good at removing the smoke but then they want you to move back in. And you still have fire debris all around, so how long until the house smells of smoke again? They may end up living in a house with a full time generator for power and your only neighbors are construction crews.
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