It seems like widlfires are breaking out all over California, so now is a good time to review your insurance policy to see how you’d be covered in the event that you suffered smoke damage.

The latest blaze in Santa Clarita is the Railroad Fire, which broke out Monday afternoon in Newhall. It damaged some apartment buildings, but there are likely some condos and single-famlily homes in the area that may have been affected as well.

You should be aware that some insurance policies place a $5,000 limit on smoke damage from a wildfire. That might sound like enough, but in many cases it’s not. Smoke damage can easily exceed that amount, sometimes climbing as high as $25,000 or more. So if $5,000 is the limit of your coverage … well, you’re out of luck.

And speaking of condos, many condo owners are under the impression that their HOA policy will cover the interior walls, floors, ceilings and upgrades to their units, but most policies won’t. If your 1,000-square-foot condo suffered fire or smoke damage it could cost $100,000 to replace the interior.

That’s something else to keep in mind when you purchase insurance.

Questions? Call Carol Smith of at 661-803-3803 for a free quote.