**🚨 NOW TRENDING: SIMI VALLEY FIRE TRICKLES DOWN to YOUR WALLET: Insurance "Ghost Policy" Shock Hits Homeowners**
🚨 NOW TRENDING: SIMI VALLEY FIRE TRICKLES DOWN TO YOUR WALLET: Insurance “Ghost Policy” Shock Hits Homeowners
Homeowners in Simi Valley are waking up to more than just ash this morning—they’re facing a brutal cash reality. As the wind-driven fire tears through the hills, local insurance agents are quietly warning of a “ghost policy” nightmare: thousands of residents who dropped fire coverage to save $40 a month are now discovering their standard homeowners’ policies explicitly exclude wildfire damage.