What would you rather see, a bill for $9B and a winter with 10ft of snow on the way, start at Winnipeg and all points east of them would be under that same forcast.
Smoke damage at the very least (lucky painters, unlucky homeowners), roof repairs in most cases. Air ducts having to be 'thoroughly' cleaned to HEPA filter standards, for starters. Wood ash + moisture = acid that will strip hair from skin.
New paint and steam-clean the rugs and furniture
Actually it would probably be a good idea for all the home owners of 'surviving' structures to hire a building inspector before they sign any forms for the insurance companies!