Wildfires raged for the third straight day, destroying swaths of America’s most populated county and displacing tens of thousands of residents, with firefighters struggling to contain the biggest blazes.

The devastation from the raging fires in Southern California is only just starting to come to light, but there are already questions about how the destruction will impact homeowners insurance for all Californians.

Two massive wildfires menacing Los Angeles from the east and west devoured nearly 10,000 homes and other structures, burning into a third night on Thursday even as the fierce winds eased and gave firefighters a welcome but temporary respite.