The insurer did not breach its policy or the duty of good faith in settling plaintiff’s claim which arose from destruction of her house by a wildfire.  Under the policy, she was entitled to the least of (a) the policy limit, (b) the cost to rebuild the same house, or (c) the actual cost paid for reconstruction.  Here, the insurer paid the actual cost of reconstruction even though it exceeded the estimated cost to rebuild the pre-existing house.  The insurer did not owe a duty to state what it considered to be the reconstruction cost so that plaintiff could confidently spend more on actual reconstruction. The insurer also appropriately paid other items of loss covered by the policy.