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?

A new wildfire was reported today at 3:09 a.m. in Los Angeles County. The wildfire has been burning on private land. At this time, there is no data on the containment status of the fire and the cause has yet to be determined.

Out-of-control wildfires are ripping across parts of Los Angeles, leading to at least five deaths, burning down hundreds of buildings, and prompting more than 130,000 people to flee their homes in America's second-largest city.