What a beautiful thought. What a beautiful gesture,” the caption of a viral post thanking the firefighter read.

A large chunk of the cost of rebuilding after the Los Angeles wildfires is likely to shift to insurance customers throughout the state, under a little-noticed rule change last year by California’s insurance regulator.

More than 100,000 homeowners in the Los Angeles area were dropped by their insurance companies before the recent wildfires broke out. Elizabeth Cook shares the story of families now struggling to piece their lives back together after losing everything in the fires.

On this edition Your Call, we have a conversation about the devastating effects of the ongoing Los Angeles fires and their impacts on California’s home insurance market. Year after year, wildfires have driven insurance companies to drop coverage.