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The Los Angeles wildfires could be the US’s most expensive natural disaster ever. And with thousands of homes destroyed, the blazes have also highlighted a huge insurance crisis which has been growing in recent years. It's affecting California and other parts of the United States vulnerable to climate-related natural disasters like fires, floods and storms. Lexy O’Connor has been meeting some of those affected. This audio is taken from an episode of Business Daily. (Picture: The sun sets behind a house reduced to rubble by the Eaton Fire in Altadena, California, on January 13, 2025. Credit: Getty Images)