The recent wildfires in Eastern Washington remind us that disasters don't always happen when we're home. A friend of mine here in Seattle told me yesterday about his aquaintance who was away on business and owned a home near Spokane, It fell within the fire evacuation area. Fortunately, the home survived the fire with only minor damage. But when the homeowner contacted their insurance company to file a claim, they were told the damage might not be covered because the home had