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"The insurance crisis spreading across the United States arrived at Richard D. Zimmel’s door last week in the form of a letter.
Mr. Zimmel, who lives in the increasingly fire-prone hills outside Silver City, N.M., had done everything right. He trimmed the trees away from his house, and covered his yard in gravel to stop flames rushing in from the forest near his property. In case that buffer zone failed, he sheathed his house in fire-resistant stucco, and topped it with a noncombustible steel roof."
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