As Los Angeles construction worker Ivan De La Torre surveyed a landscape of smoking wreckage in fire-ravaged Altadena, a question nagged at him: how would insurance companies cover the cost of rebuilding an entire neighborhood?

The massive fires that have destroyed much of Pacific Palisades and demolished thousands of homes and structures in Los Angeles County threaten an effort to fix California's troubled home insurance market.

The wildfires that destroyed homes in multiple sections of the Los Angeles area will test California’s efforts to stabilize the state’s insurance marketplace after many insurers stopped issuing residential policies due to the high fire risk.