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Insured losses from three California wildfires already top $104 million and are expected to climb much higher as policyholders and adjusters gain access to the still smoldering region–with one catastrophe modeling firm projecting that covered claims could total as much as $500 million.

Fires erupted on Nov. 13, consuming more than 43,000 acres and destroying or damaging over 1,000 residences and other structures.

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