Insurance

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Following the North Bay wildfires, survivors in Mendocino and Lake counties have begun receiving substantial fire insurance payouts -- and some are stressing over how to protect and manage the funds in the months or even years before they can begin rebuilding.

Courtesy of Adrian Diaz/KQED

On Sept. 12, 2015, the Valley Fire swept through Lake County, burning through 70,000 acres of woodland, killing four people and torching 1,280 structures, including the Carolynn Spezza's home in Middletown. Now, two years into the recovery process, 75-80 percent of the structures that burned have not been rebuilt.