Losses from the Los Angeles fires threatened to deepen a crisis that has already left hundreds of thousands of Californians struggling to find and keep affordable homeowners insurance. A major concern out of the destruction is not just the people without insurance,

Weiss Ratings issued a report alleging that Farmers Insurance and other California insurers reject nearly half of claims from state homeowners. Insurers have disputed the findings.

Los Angeles is experiencing a severe homeowners insurance crisis, with over 800,000 homes currently lacking coverage. While insurance companies are being criticized for the shortage of policies, the root cause may be a 1988 California law known as Proposition 103.