Next-door neighbors lost their near-identical homes in a California wildfire, but how they are navigating rebuilding is a story of contrasting fortunes and unequal recovery, a stark reflection of the nation’s growing home insurance crisis.

Next-door neighbors lost their near-identical homes in a California wildfire, but how they are navigating rebuilding is a story of contrasting fortunes and unequal recovery, a stark reflection of the

State Farm General, California’s largest insurance provider, is seeking a rate hike after the catastrophic firestorm that impacted Los Angeles County in January.

On Monday, the company sent a letter requesting the California Department of Insurance approve emergency rate increases averaging 22% for homeowners statewide. It also asked for a 15% increase for renters and condo owners and a 33% hike for rental owners.