Smoke Damage Destroys Contents Long Before the Frame Shows It - What Claims Reveal

https://technivorz.com/replacement-cost-vs-actual-cash-value-5-critical-questions-to-decide-which-coverage-protects-you-best/

Smoke Damage Destroys Contents Faster Than You Expect: The Numbers Tell the Story The data suggests smoke and soot are behind a large share of total-loss claims even when the building itself looks intact