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Answer: After losing your home and finding out you were underinsured, the news that you might have a taxable gain must have been a gut punch.

We do not have uninsured or underinsured residents.

As Martin had said in her prepared statement: “We do not have uninsured or underinsured residents. We do not have different qualities of insurance depending on a person’s employment.... At substantially lower cost than in the U.S., all Canadians have health insurance and need rather than wealth is what drives access to care.”

The two-bedroom homes, built by Redwood City-based Samara, will go to residents of low to moderate incomes who are uninsured, underinsured or elderly and otherwise lack the money to rebuild on their land.

In the process, fire victims can see their wealth stripped if they sell too low, especially if they were underinsured.