Californians reflect after fleeing homes as fire came close

FILE - In this Tuesday, Oct. 31, 2017 file photo, David Rust, left, and his wife Shelly search through the remains of their home destroyed by wildfires in Santa Rosa, Calif. More than $9 billion in insurance claims have been filed following wildfires that ravaged Northern California two months ago, the state's top insurance regulator said Wednesday, Dec. 6, 2017. (AP Photo/Jeff Chiu, file)