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Following the recent Southern California wildfires, a report in the Nov. 13 New York Times indicated that as many as 40 percent of homeowners statewide lack enough insurance to cover their home replacement costs, a problem that most [policyholders] realizeonly when its too late. Ethically speaking, what should carriers and producers be doing, if anything, to make sure properties are properly insured? What responsibility do they have if it turns out that they are underinsured at the time of loss? For those who respond, you need not give your name, but for context, please let us know what role you play in the industryinsurer, agent, adjuster, risk manager?

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