Wildfire smoke drifting south isn’t just smelly—it’s a serious insurance headache. Standard homeowners policies may cover structural damage, cleanup, and temporary living costs, but insurers are tightening up, especially in high-risk zones, sometimes dropping coverage or excluding wildfire damage entirely. You might need FAIR plans or specialty insurers. For your car, comprehensive coverage usually kicks in for smoke-related damage, but not for lingering odors or wear. Stay safe: seal your home, park indoors, and wear an N95 mask during ash cleanup. Know your policy before the smoke settles—or worse, before you’re left scrambling.
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