Our home caught fire last month and burned partly through a tongue and groove ceiling to the trusses. Some are charred. Our contractor did a moisture meter test. An engineer for the insurance company said the trusses were only smoke damaged & the moisture meter test is invalid (it can be set to read anything). I found one article on charred trusses, but it’s pretty vague. We do not feel safe with the insurance engineer’s assessment because some of the trusses are obviously charred. We hired an engineer who agreed with us.