On Nov. 13, 2008, our home of 30 years was reduced to ash. The Tea Fire—so-called because it began in an abandoned tea garden high in the hills above Santa Barbara, Calif.—swept through canyons and hillsides, driven by hot, dry, 70 mph Santa Ana winds. In a few hours, some 220 homes ceased to exist. My wife Karen and I, perhaps mercifully, were out of town, and therefore spared the memory of fleeing a wall of flames. On the other hand, we also learned that there is at least one major downside to traveling with only carry-on luggage: we returned to a home site that was still smoldering, in which nothing remained of our former lives, except two suitcases full of dirty clothes.
We were fortunate in that we had good insurance coverage...