Multiple wildfires, including the Palisades Fire and Eaton Fire, are raging across southern California Thursday, leaving at least 5 dead and burning more than 27,000 acres, officials say. Police have arrested 20 suspected looters.

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.

In recent years, insurers like Allstate, American National, The Hartford and State Farm have stopped renewing policies or issuing new policies for California homeowners.