Fire damage insurance is pretty standard among home policies, and used to be one of the only things a home might be
insured for. You might be wondering if that extends to any damages not pertaining necessarily to the fire itself,
but to the smoke. Smoke can cause considerable damage to a property, leaving black dust and an oily residue on the
surfaces it touches. It can blacken areas and while it may not destroy rooms entirely, it can weaken the structure
of your house and leave a nasty smell in its wake.
Standard home insurance will include coverage for smoke damage and cleanup, even if the smoke entered your home not
from a fire started in your own house, but from a fire in the next house over where the smoke wafted in through your
windows and vents.