but if your home is uninhabitable, insurance should pay for any accomodations while you are waiting for your home to be fixed.
Bold of you to assume that any insurance company will keep operating in wildfire interface areas within the next 5 years. They’ve already been cancelling tens of thousands of policies in California over it and it’s coming to your area next.
Reminder that insurance companies are in the business of collecting premiums, not paying out coverage. They will fuck you over at a moment’s notice no matter how long you’ve paid into their system.