Insurance adjuster…I can let you know what a typical renters or homeowners insurance policy covers. In general, if a civil authority officially orders you to evacuate due to fire or hurricane most policies cover up to whatever limit you have in dollars or time frame to stay somewhere else during that evacuation. Heavy smoke can cause damage even if your premises is untouched. I did several claims for renters in Colorado where the neighborhood across the street burned down but the apartments survived. Everything had to be thoroughly cleaned and some things like pillows, sofas, mattresses, etc have to be replaced because you can’t get the smell out ever. $20,000 to clean or replace all the smoke damaged stuff in one unit was not unusual.
I’ve lived in high fire danger areas of California most of my life and had fires miles away from where I lived many times over the years…the threat is real but the likelihood of an evacuation or fire or smoke damages to your property is pretty low statistically.
If you have any questions specifically about insurance or that part of the process feel free to ask.