Tuesday, November 13th, 2007 — Daniel and Doris Okonsky, whose custom-built 6,500-square-foot house was destroyed in the recent wildfires in Southern California, have been poring over receipts and family photos to estimate the damage. Daniel Okonsky’s insurance does not cover the full cost of rebuilding his home. But like many of the 14,000 homeowners who suffered losses, the Okonskys are discovering that the insurance on their hilltop home in San Diego County might not be enough to rebuild it.