Is your home livable? I heard (source below) that often the interior smoke damage is so bad you essentially have to rebuild anyway but with less insurance coverage if any.
Also how long till you can live there with no utilities? The experts in the recent KQED show linked below state homeowners whose home is the one still standing in a neighborhood of ruined homes often wish their homes had been destroyed since they can't live there for years yet receive no coverage.
Probably different if you own multiple homes.
Source: https://www.kqed.org/forum/2010101908466/mass-destruction-evacuations-heartbreak-continue-in-los-angeles-wildfires