As hundreds of Los Angeles residents return to find homes reduced to ashes due to a devastating wave of wildfires, many are fearful that their insurance policies may not cover the rebuild cost and that future premiums will be astronomical.

Gina Zapanta and husband Michael Alder sprang into action to offer emergency housing and supplies to wildfire victims.

As of Friday afternoon, six wildfires were burning across Los Angeles County, including a fresh one that had ignited just hours earlier.