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She said that when an artwork is damaged, a gallery's insurer will appoint a specialist fine art loss adjuster to visit the museum.

Reddy’s family practice is participating in a one-year demonstration project launched in January intended to reduce that burden by having multiple insurers work together in one payment plan.

After informing police and his insurers, he started looking for a replacement 2016 Type-R model and found one that looked "identical" about 70 miles away.

Some on social media have celebrated the 26-year-old, and shared anger at America's private health insurers.

The plan has proved pivotal due to increasingly disastrous fires in the state, including after the 2018 Camp fire that destroyed the town of Paradise and cost insurers $12.5 billion.