Smoke, soot and ash cause extensive damage every year, but will your insurer cover it? Does your commercial property policy or homeowners insurance policy cover smoke damage? Smoke damage  can trigger epic battles with insurers as illustrated by the recent decision of the Eight Circuit Court of Appeals in Maxus Metropolitan LLC v. Travelers Property Casualty Co. , in which the Court upheld a $27 million verdict against Travelers for its refusal to pay for soot damage. The dis