Recent California cases show how courts differ on whether smoke contamination qualifies as “direct physical loss or damage” in insurance disputes.

The fire started on a back deck and spread to an exterior wall at a home on Fairacres ... the fire spread to the attic and caused smoke and water damage to the inside of the house.

When crews arrived, they found moderate smoke showing from the rear ... The fire did extend to the first-floor kitchen walls and caused significant damage to the kitchen area.

Officials say smoke detectors in the home weren ... but it had spread to the first-floor kitchen walls, causing significant damage. Everyone in the home was able to escape without injury ...

The downstairs of Jess' home was left in a state of disrepair, with severe smoke damage to the walls, counters and floor. Her appliances were covered in soot, and she was advised to get rid of ...

Firefighters opened up the walls and the ceiling to attack a fire in the bedroom, according to the fire company.

The downstairs of Jess’ home was left in a state of disrepair, with severe smoke damage to the walls, counters and floor. Her appliances were covered in soot, and she was advised to get rid of ...

On an Altadena block on the edge of the burn zone, people are living in RVs next to their surviving homes. They straddle the ...

Ian D Kennedy, the business proprietor, commented: "It looks like it was either an electrical fault or some other cause inside the wall ... but there is some smoke damage. We need to get to ...

Goddard's Vengeance Q A shoulder-launched rocket that causes explosive damage and knocks back enemies ... E Throwable gadget that generates a smoke screen around the projectile.