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Back in November 2016, a devastating fire ravaged the small town of Gatlinburg, Tennessee.

It began as kids played with matches in the Great Smoky Mountains that surround the town, and it ended with 14 deaths; 17,000 acres burned; and 2,500 structures damaged. In the aftermath, almost 4,000 insurance claims were filed and the combined residential and commercial property loss was just shy of $850 million.

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