Yep. I can only speak to my experiences that occurred over a decade ago. I will say that everyone was shocked at how relatively easy to deal with they were at the time. I imagine as wildfires become more common and hit more populated areas that insurance will refuse to pay out more often. In our case, it was the most expensive fire that had ever hit our state, since most previous ones had occurred in remote areas.
We were actually lucky that our house wasn’t ruined because my parent’s policy actually changed at midnight the night the fire destroyed the neighborhood. I can only imagine the insurance trying to get out of paying up in that scenario.