(FoxBusiness) - Construction crews have already put up the frame on Cheri Sharp's new house, but she still questions whether rebuilding was the right choice after California's most destructive wildfire took her old home in wine country nearly a year ago.

She's had to dip into retirement savings to cover a $300,000 shortfall in her homeowner's insurance coverage.

"We just kind of thought we were taken care of," Sharp, 54, said about her insurance policy. "If I had to do it over again, I'd probably change my mind and move."