You are in luck, as this is now declared a national disaster (well not the Tahoe area and this may cause a potential problem) you can apply for reimbursement through their coverage. I would just be more general and say your "Northern California" vacation was effected by the fires.....I used it for a hurricane abbreviated trip two years ago. Took about 60 days to get credited but it works. I would just say the disaster affected your plans. Obviously this is what I did when I applied for hurricane coverage. I suspect you won't be the only one calling about this.