California wildfire survivors face new challenge: rebuilding

CHICO, Calif., Dec 2 (Reuters) - Rebuilding Paradise, California, after it was leveled by fire three weeks ago will pose a new massive challenge to the devastated mountain community - starting with complicated insurance claims for nearly 14,000 lost homes.

At least 88 people were killed in the Camp Fire and nearly 200 others are still listed as missing, making the wildfire the deadliest in state history. Law enforcement officials say the search for remains in the ash and rubble has officially ended.

Some of those who escaped the flames only to find themselves homeless are expected to be allowed to return to inspect their properties as early as next week. Many will find themselves essentially starting over, facing months or even years of rebuilding and seeking compensation for their losses.

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Christopher Gregg, whose home in Paradise was a total loss, said he's not getting answers to the question of when he will be compensated by his insurance company.

"They say, 'We'll let you know as soon as we can.' Well, when can we get back on our feet, is my question. I'd like to know ... When do we get a chance to resume some portion of our lives?" he said.

Insurance teams began gathering in Chico in the early days of the fire that erupted on Nov. 8 and rapidly engulfed Paradise about 20 minutes away and surrounding communities.

Working out of truck trailers, temporary tents and recreational vehicles in mall parking lots, and equipped with generators and satellite communications, insurance adjusters say they have been stymied in part by a ban on flying drones over what is left of the town of 27,000.

Insurers responding to natural disasters typically use drones to obtain 360-degree views of damage when access is limited. But the drones have been restricted as crews work to clear downed trees and power lines, as well as burn debris and restore infrastructure.

See photos from the devastating fires across the state: 

70 PHOTOS
Camp Fire, Hill Fire and Woolsey Fire sweep across California
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Camp Fire, Hill Fire and Woolsey Fire sweep across California
THOUSAND OAKS, CA - NOVEMBER 09: The Woolsey Fire burns towards Paramount Ranch on November 9, 2018 in Agoura Hills, California. (Photo by Matthew Simmons/Getty Images)
This photo taken from video provided by CBS2/KCAL9 shows a wildfire burning in Camarillo, Calif., Thursday afternoon, Nov. 8, 2018. Known as the Hill fire, it here has crossed U.S. Highway 101, at center right, potentially threatening hundreds of homes. (CBS2/KCAL9 via AP)
THOUSAND OAKS, CA - NOVEMBER 09: Horses are spooked as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 inAgoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
Medical personnel evacuate patients as the Feather River Hospital burns while the Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
The massive plume from the Camp Fire, burning in the Feather River Canyon near Paradise, Calif., wafts over the Sacramento Valley as seen from Chico, Calif., on Thursday, Nov. 8, 2018. Authorities in Northern California have ordered mandatory evacuations in a rural area where the wildfire has grown to 1,000 acres (405 hectares) amid hot and windy weather. (David Little/Chico Enterprise-Record via AP)
A home burns as the Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
This photo provided by Nicole Kowalczyke shows a piece of a burned page that fell out of the sky in Chico, Calif., Thursday, Nov. 8, 2018, as the Camp Fire burns nearby. (Nicole Kowalczyke via AP)
Medical personnel evacuate patients as the Feather River Hospital burns while the Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
People wear masks while walking through the Financial District in the smoke-filled air Friday, Nov. 9, 2018, in San Francisco. Authorities have issued an unhealthy air quality alert for parts of the San Francisco Bay Area as smoke from a massive wildfire drifts south, polluting the air. Officials say the thousands of structures in the town of Paradise, 180 miles (290 kilometers) northeast of San Francisco, were destroyed by the blaze that has charred 110 square miles (285 square kilometers). (AP Photo/Eric Risberg)
THOUSAND OAKS, CA - NOVEMBER 08: Travis Lundgren, a street maintenance worker, uses a cooler of ice and water to help put out a flair up along Rancho Conejo Blvd. during the Hill Fire in Thousand Oaks, CA, on Thursday, Nov 8, 2018. (Photo by Jeff Gritchen/Digital First Media/Orange County Register via Getty Images)
PORTER RANCH, CALIFORNIA - NOVEMBER 09: The Woolsey Fire is seen looking towards the west valley area on November 9, 2018 in Porter Ranch, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Kevork Djansezian/Getty Images)
A statue rests amid a charred lot as the Camp Fire tears through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
THOUSAND OAKS, CA - NOVEMBER 08: The Hill Fire burns in the hills east of Conejo Center Drive in Thousand Oaks, CA, on Thursday, Nov 8, 2018. (Photo by Jeff Gritchen/Digital First Media/Orange County Register via Getty Images)
Smoke from the Camp Fire, burning in the Feather River Canyon near Paradise, Calif., darkens the sky as seen from Highway 99 near Marysville, Calif., Thursday, Nov. 8, 2018. (AP Photo/Don Thompson)
A home burns as the Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town.(AP Photo/Noah Berger)
Smoke from wildfires burning in Northern California obscures the Sierra Nevada in this view from an airliner approaching Sacramento, Calif., Friday, Nov. 9, 2018. The director of the California Governor's Office of Emergency Services says fires across California have forced 157,000 people from their homes. (AP Photo/Gillian Flaccus)
Smoke from the Camp Fire, burning in the Feather River Canyon near Paradise, Calif., darkens the sky above the Butte College sig in Oroville, Calif., Thursday, Nov. 8, 2018. (AP Photo/Don Thompson)
A police officer mans a checkpoint in front of an advancing wildfire Thursday, Nov. 8, 2018, near Newbury Park, Calif. The Ventura County Fire Department has ordered evacuation of some communities in the path of the fire, which erupted a few miles from the site of Wednesday night's deadly mass shooting at a Thousand Oaks bar. (AP Photo/Marcio Jose Sanchez)
Smoke from the Camp Fire, burning in the Feather River Canyon near Paradise, Calif., darkens the sky Thursday, Nov. 8, 2018. (AP Photo/Don Thompson)
The Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
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A charred animal rests on a roadside as the Camp Fire tears through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
Flames consume a home as the Camp Fire tears through Paradise, Calif., on Thursday, Nov. 8, 2018. A California fire official says a fast-moving wildfire in Northern California has destroyed structures and injured civilians. (AP Photo/Noah Berger)
Medical workers move equipment from a makeshift emergency room while the Feather River Hospital burns as the Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
The Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
A home burns as the Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town.(AP Photo/Noah Berger)
A vintage car rests among debris as the Camp Fire tears through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
Flames consume a building as the Camp Fire tears through Paradise, Calif., on Thursday, Nov. 8, 2018. A California fire official says a fast-moving wildfire in Northern California has destroyed structures and injured civilians. (AP Photo/Noah Berger)
The setting sun turns blood red as it peers through smoke from the Camp Fire in northern Calif., Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Don Thompson)
A charred animal rests on a roadside as the Camp Fire tears through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
Nurse Cassie Lerossignol hugs as coworker as the Feather River Hospital burns while the Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
Medical personnel evacuate patients as the Feather River Hospital burns while the Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
A police officer directs traffic at a checkpoint in front of an advancing wildfire Thursday, Nov. 8, 2018, near Newbury Park, Calif. The Ventura County Fire Department has also ordered evacuation of some communities in the path of the fire, which erupted a few miles from the site of Wednesday night's deadly mass shooting at a Thousand Oaks bar. (AP Photo/Richard Vogel)
PORTER RANCH, CALIFORNIA - NOVEMBER 09: The Woolsey Fire is seen looking towards the Oak Park area on November 9, 2018 in Porter Ranch, California. 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Kevork Djansezian/Getty Images)
A home burns as the Camp Fire rages through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town. (AP Photo/Noah Berger)
A wildfire comes down from a hilltop Thursday, Nov. 8, 2018, near Newbury Park, Calif. The Ventura County Fire Department has ordered evacuation of some communities in the path of the fire, which erupted a few miles from the site of Wednesday night's deadly mass shooting at a Thousand Oaks bar. (AP Photo/Marcio Jose Sanchez)
Flames consume a car and building as the Camp Fire tears through Paradise, Calif., on Thursday, Nov. 8, 2018. (AP Photo/Noah Berger)
Plumes of smoke loom in the sky several miles away, seen behind a home in Thousand Oaks, Calif., as a wind-driven wildfire known as the Hill fire threatens the area late Thursday afternoon, Nov. 4, 2018. This is a few miles from the scene of Wednesday's mass shooting at the Borderline Bar in Thousand Oaks. (AP Photo/Kathleen Ronayne)
This photo provided by Nicole Kowalczyke shows smoke and ash from the nearby Camp Fire in Chico, Calif., Thursday, Nov. 8, 2018. (Nicole Kowalczyke via AP)
This photo provided by Nicole Kowalczyke shows heavy traffic with smoke and ash from the nearby Camp Fire overhead in Chico, Calif., Thursday, Nov. 8, 2018. (Nicole Kowalczyke via AP)
Smoke from the Camp Fire darkens the sky on the horizon as a bulldozer cuts a fire line to protect Butte College in Oroville, Calif., Thursday, Nov. 8, 2018. (AP Photo/Don Thompson)
THOUSAND OAKS, CA - NOVEMBER 08: A water dropping helicopter heads to fill up as the sun sets during the Hill Fire in Thousand Oaks, CA, on Thursday, Nov 8, 2018. (Photo by Jeff Gritchen/Digital First Media/Orange County Register via Getty Images)
THOUSAND OAKS, CA - NOVEMBER 08: A firefighter releases water dropping helicopters after they filled up near Conejo Center Drive during the Hill Fire in Thousand Oaks, CA, on Thursday, Nov 8, 2018. (Photo by Jeff Gritchen/Digital First Media/Orange County Register via Getty Images)
THOUSAND OAKS, CA - NOVEMBER 08: The Hill Fire burns in the hills east of Conejo Center Drive in Thousand Oaks, CA, on Thursday, Nov 8, 2018. (Photo by Jeff Gritchen/Digital First Media/Orange County Register via Getty Images)
THOUSAND OAKS, CA - NOVEMBER 08: The Hill Fire burns in the hills east of Conejo Center Drive in Thousand Oaks, CA, on Thursday, Nov 8, 2018. (Photo by Jeff Gritchen/Digital First Media/Orange County Register via Getty Images)
A home burns during the Camp fire in Paradise, California on November 8, 2018. - More than 18,000 acres have been scorched in a matter of hours burning with it a hospital, a gas station and dozens of homes. (Photo by Josh Edelson / AFP) (Photo credit should read JOSH EDELSON/AFP/Getty Images)
The Hill wildfire burns in the predawn hours of Friday, Nov. 9, 2018, seen from Agoura Hills in Southern California. The director of the California Governor's Office of Emergency Services says fires across California have forced 157,000 people from their homes. The fire near the Northern California town of Paradise has grown to nearly 110 square miles (285 square kilometers). (AP Photo/Haven Daley)
Smoke from wildfires burning in Northern California obscures the Sierra Nevada in this view from an airliner approaching Sacramento, Calif., Friday, Nov. 9, 2018. The director of the California Governor's Office of Emergency Services says fires across California have forced 157,000 people from their homes. The fire near the Northern California town of Paradise has grown to nearly 110 square miles (285 square kilometers). Another fire northwest of Los Angeles has been swept southward toward the ocean by strong Santa Ana winds. Evacuation orders were issued for residents of the beachside community of Malibu. (AP Photo/Gillian Flaccus)
Strong winds blow smoke horizontally over the the Santa Monica Mountains and the Pacific Ocean over the city of Malibu, far distance, in Southern California, seen from the Pacific Palisades area of Los Angeles Friday morning, Nov. 9, 2018. The director of the California Governor's Office of Emergency Services says fires across California have forced 157,000 people from their homes. The fire near the Northern California town of Paradise has grown to nearly 110 square miles (285 square kilometers). Another fire northwest of Los Angeles has been swept southward toward the ocean by strong Santa Ana winds. Evacuation orders were issued for residents of the beachside community of Malibu. (AP Photo/Reed Saxon)
Firefighter Adrien Mahnke pauses while battling the Camp Fire as it tears through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town and destroyed hundreds of structures. (AP Photo/Noah Berger)
Flames consume a car dealership as the Camp Fire tears through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town and destroyed hundreds of structures. (AP Photo/Noah Berger)
Flames burn inside a van as the Camp Fire tears through Paradise, Calif., on Thursday, Nov. 8, 2018. Tens of thousands of people fled a fast-moving wildfire Thursday in Northern California, some clutching babies and pets as they abandoned vehicles and struck out on foot ahead of the flames that forced the evacuation of an entire town and destroyed hundreds of structures. (AP Photo/Noah Berger)
REFILE - QUALITY REPEAT An abandoned vehicle is seen on a road during the Camp Fire in Paradise, California, U.S. November 8, 2018. REUTERS/Stephen Lam
An American flag is seen at an engulfed car dealership during the Camp Fire in Paradise, California, U.S. November 8, 2018. REUTERS/Stephen Lam
PORTER RANCH, CALIFORNIA - NOVEMBER 09: The Woolsey Fire is seen looking towards the west valley area on November 9, 2018 in Porter Ranch, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Kevork Djansezian/Getty Images)
PORTER RANCH, CALIFORNIA - NOVEMBER 09: The Woolsey Fire is seen looking towards the west valley area on November 9, 2018 in Porter Ranch, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Kevork Djansezian/Getty Images)
THOUSAND OAKS, CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
THOUSAND OAKS, CA - NOVEMBER 09: A South Pasadena Fire Department engine fights the Woolsey Fire as it moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
THOUSAND OAKS, CA - NOVEMBER 09: The Woolsey Fire burns along the ridgeline off of Cornell Road near Paramount Ranch on the morning of November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
AGOURA HILLS , CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
THOUSAND OAKS, CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
AGOURA HILLS , CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
AGOURA HILLS , CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
AGOURA HILLS , CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
AGOURA HILLS , CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
AGOURA HILLS , CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
AGOURA HILLS , CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
THOUSAND OAKS, CA - NOVEMBER 09: Horses are spooked as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 inAgoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
AGOURA HILLS , CA - NOVEMBER 09: Firefighters from various departments work to protect structures as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 in Agoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
THOUSAND OAKS, CA - NOVEMBER 09: Horses are spooked as the Woolsey Fire moves through the property on Cornell Road near Paramount Ranch on November 9, 2018 inAgoura Hills, California. About 75,000 homes have been evacuated in Los Angeles and Ventura counties due to two fires in the region. (Photo by Matthew Simmons/Getty Images)
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BILLIONS IN LOSSES

Pop-up insurance booths are a common site these days in California as it experiences its most destructive wildfire season on record.

A total of 7,579 fires have burned some 1,667,855 acres, an area roughly the size of Delaware, according to the California Department of Forestry and Fire Protection.

Moody’s last week estimated total insured losses at $10-$15 billion from the Camp Fire and the Woolsey fire, which was burning at the same time in the foothills above Malibu in southern California.

Insurers say climate change is a factor in the more intense fire seasons and are raising rates or even dropping coverage.

"We're seeing these fires these last few years that people have defined as 1-in-500-year-type events ... Absolutely we're seeing some things change and climate change is playing a role in that," said Suzanne Meraz, spokesperson for CSAA Insurance Company.

Insurers now often use computer models to generate house-by-house risk predictions, factoring in such features as local topography and brush cover instead of just using a more general history of blazes in a region.

Paradise resident Ed Riddle was focusing on one task at a time. His home is a total loss, confirmed by a friend who was able to take pictures.

"I kind of feel like a turtle on its back looking for a rock," he said.

Riddle said he would like to rebuild, but wasn't sure what that would look like. "There are so many rumors about how long its going to take before we can."

He had been in touch with his insurer and already received some payments.

"I guess they're going to present me with some options whether to rebuild or not. I'm told I shouldn't make any decisions quickly about that," he said. (Reporting by Lee van der Voo in Chico, California Writing by Dan Whitcomb in Los Angeles Editing by Bill Tarrant and Sonya Hepinstall)

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