It can be, and the mechanism is documented in this market's own operator copy: hillside homes take smoke and ash through attic vents, windows, and HVAC intakes during nearby brush fires, and fine ash distributed through a house is a cleaning scope with real costs, in ducts, attics, and soft contents. The claim stands on the entry record: dated photographs of ash at vents and tracks, taken before cleaning disturbs them, plus the fire's date and distance. Photograph first, call the insurer second, clean third, in that order.
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