Los Angeles fire insurance expert Richard Giller joins ‘Fox & Friends’ to shed light on why some Californians were dropped by insurers before the wildfires broke out.

Rows of cars at a dealership, blasted by flames, looked like they had been bombed. A man wearing a mask walked by debris of a neighborhood destroyed. A couple, arms around each other, looked at what was left of their smoldering home. A statue of a human, without a head, lay on a street.