(Eric Thayer | The New York Times file photo) A destroyed home at Point Dume as firefighters work to contain the Woolsey Fire in Malibu, Calif., Nov. 13, 2018. Officials in California, Washington, Montana and Colorado are getting more complaints from people whose insurance companies have refused to renew their coverage. The complaints follow years of record-setting wildfires in both size and cost, a trend that scientists expect to continue as global warming accelerates.