As wildfires continue to wreak havoc across California’s Los Angeles County, the focus shifts to the plight of tens of thousands who face the uphill task of rebuilding their lives—and to the looming insurance challenges awaiting them. Thousands of homes and structures have been destroyed, leaving property owners unsure whether their insurance will come through. Experts predict that these wildfires could lead to the highest insured losses in California’s history, with damage estimates nearing