property insurance 2025-09-14T21:20:13Z
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Midnight olive oil droplets hit the burner and suddenly my kitchen ceiling glowed orange. Flames licked the range hood as I fumbled with baking soda, heart pounding against my ribs like a trapped bird. The fire died but left carnage - melted wiring snaking behind charcoal walls, smoke ghosts haunting every surface. That's when the real nightmare began. Insurance adjusters demanded "immediate visual documentation" while I stood ankle-deep in soggy fire extinguisher residue, trying to photograph s