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Following the recent Southern California wildfires, as many as 40 percent of homeowners reportedly lacked sufficient insurance to cover their home replacement costs. What should carriers and producers be doing to make sure properties are properly insured, and what responsibility do they have if it turns out clients are underinsured at the time of loss? That’s the “Question Of Ethics” posed by NU Editor In Chief Sam Friedman in his blog today at www.property-casualty.com.

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