I don't live in SoCal, but when I get back home tonight I plan to check my policy for coverage if destroyed by wildfire. I'm thinking it's probably under the "acts of God" category.

Anybody have their policies close and care to comment?

 

If you have "full coverage," check under your "comprehensive coverage." Hail storm damage is cover under comp; I'm pretty sure "wildfire" is covered under it as well.