There are several human casualties so far, but major fires are still burning in Northern California, and there could be more. The Valley Fire has scorched much of Lake County and parts of Sonoma County, both North of Napa. The Butte Fire has charred Amador and Calavares Counties. Even as fires are still burning, negotiations with insurance companies are already under way. Some homeowners prepared for potential disaster by buying insurance — but others did not, and the details of insurance policies aren't always easy to understand. We update the personal cost of damage that's displaced some 20,000 people.