I handled 30 claims (about 25 were totals) for the Oakridge Mobile Home Park in Sylmar. The park has 600 mobile homes and 485 were totals, with all the rest having at least heavy smoke/ash. The whole park is closed down, so even if your house made it through, you still can't move back.
These are also high-end mobile homes, with most being triple or quadruple-wide with brick steps and skirting.
Anyway, the point of all this is that there was a line in the policies that said there was 110% coverage in the event of a total loss. There was an endorsement on many policies that increased that to 125%.
Our understanding (and I'm guessing the understanding of the insurance companies) was that the policy limit was considered 100%, and the insured's had a possible 10% or 25% coming to them.
Per this article below, the DOI has now more than doubled the policy limits, by interpreting that endorsement to mean 110% or 125% ON TOP of the policy limits.
I guess that means my 25 total losses are going to be reopening pretty quick.