Smoke, soot, and ash goes EVERYWHERE. It gets into the drywall, carpet, upholstery, bedding, clothes, cabinetry, air condition HVAC, etc. Fire and smoke can occur in one area of the property but can permeate into an area of your home which is very far from the source. This is what smoke does because smoke is air born and it carries itself all over the place.
Although your insurance policy covers you for this type of damage, it is not uncommon for your insurance company to limit their exposure by selectively scrutinizing the damages. You know your home. You know how it smelled before the smoke infiltrated into every crook and cranny. There will be items in your home which will need to be removed and thrown away, even though the item looks undamaged.
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