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Woefully underinsured, an Altadena retiree ponders building a tiny house at the back of his yard to replace the three-bedroom home he lost in the January firestorms. His insurance would pay, at most, ...

In the dusty, extra-wide lumber aisle of Home Depot, a contractor taps the neatly piled boards as he walks, sizing up the wood that will soon become the backbone of his next project. He’s on contract ...