FILE - In this Dec. 6, 2017, file photo, homes scorched by a wildfire line a hillside in Ventura, Calif.  California's massive property insurance market is feeling the effects of three straight years of damaging wildfires. Insurers have pulled out of some markets and canceled thousands of policies, forcing regulators to step in and expand a state program that homeowners often turn to as a last resort. (AP Photo/Noah Berger, File)
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