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Remains of home burned by wildfire. A search and rescue worker walks with a cadaver dog while looking for a missing person in Paradise, California, on Monday, Nov. 26, 2018. The nation’s deadliest wildfire in a century known as the Camp Fire killed at least 85 people and burned over 14,000 homes. (Photo: David Paul Morris/Bloomberg)

(Bloomberg Opinion) — Own a home? No doubt you’ve insured it. Very sensible of you. But if that home were, say, burned to the ground, then your insurance company probably wouldn’t cover the cost of rebuilding it.