For five consecutive days, wildfires fanned by strong winds have ravaged neighborhoods in Los Angeles, destroying more than 12,300 homes and buildings and leaving at least 11 dead. Fresh evacuations were ordered from Mandeville Canyon to the Interstate 405 freeway on Friday evening because of a flare up of the massive Palisades Fire.

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As hundreds of Los Angeles residents return to find homes reduced to ashes due to a devastating wave of wildfires, many are fearful that their insurance policies may not cover the rebuild cost and that future premiums will be astronomical.