What if the house is fine but everything inside isn't? The question that made me call the agent back

https://writeablog.net/prickaaxzz/why-long-term-homeowners-often-lose-smoke-damage-claims-and-what-to-do-about-it

We were standing in the kitchen when my wife asked it out loud: "What if the house is fine but everything inside isn't?" It sounded theoretical at first