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

https://www.first-bookmarkings.win/when-the-house-looks-fine-but-everything-inside-isn-t-rachel-s-question-that-changed-the-plan

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