Most homeowners assume their policy fully covers wildfire damage. The reality is more nuanced -- and the difference between a covered claim and a denied one often lives deep in your declarations page.

The five gaps we look for: smoke-only damage limits, landscaping caps, evacuation cost coverage, additional living expenses duration, and rebuilding cost inflation guards.

For Reno-area homeowners we recommend reviewing your wildfire coverage every spring. Carriers are tightening terms quickly across the western states.