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,

California’s Department of Insurance has worked to repair the broken insurance system, but the LA fires threaten to undo the progress the state has made.

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.