In the fall of 2003, one of the largest recorded wildfires in California's history destroyed over 2,200 houses and killed fifteen people. Soon after, many who'd lost their homes had a rude awakening...
The biggest health threat from smoke comes from fine particles. These microscopic particles can get into your eyes and respiratory system, where they can cause health problems such as burning eyes, runny nose, and illnesses such as bronchitis.
Many states do not approve policies. In Missouri, which is a “File & Use State”, all an insurer has to do is to file their new policy and 45 days later they can start using it, whether or not anyone at the Dept of Ins. even opened the envelope it came it.
The good thing in Missouri is though is that they have a “Missouri Standard Policy” (essentially the New York 165 Line Standard Fire Policy) and the Dept of Ins. (although not doing a good job) is not supposed to allow any insurer to issue a policy which “is not as beneficial to the insured as the Standard Fire Policy.”
You need to check with your State and see if they have such a Standard Fire Policy. If they do, you need to beat on them to force the removal of this clause as it is not as beneficial to the insured as the State’s Standard Policy.
If your State has such a Policy, you might also want to check if all of the insurers in the State have illegally changed the “Appraisal Clause” downgrading the insured’s right to demand an appraisal to the insured having to get the insurer’s permission. Standard Policy language, “If the insurer and insured fail to agree on the amount of loss, either party may demand an appraisal…”. New Ins. Co. language, “If the insurer and insured disagree on the amount of loss, the two parties can agree to go to an appraisal…” This means the insured needs the insurer’s permission or agreement to go to appraisal and has lost the right to demand one. It also allows an insurer to postpone or refuse to go to appraisal by refusing to respond to an insured’s claim, stating that, “we don’t have a disagreement yet, we are still evaluating your claim”. They then evaluate your claim until you are dead. I got the State of Missouri to strike down this language in 1995 and require insurers to go back to the previously accepted Appraisal Clause.