A man talks on a phone as a wildfire approaches Carlsbad, California, in 2014.REUTERS/Mike BlakeSome homes affected by the Los Angeles wildfires might not have insurance.Insurers have been canceling plans and declining to sign new ones in the state.Years of worsening wildfires have increased payouts and other costs for insurers in California.As wildfires destroy homes in Los Angeles, some homeowners might face rebuilding without insurance payouts.That's because some insurance companies have been cutting back on their business in California in recent years as wildfires in the state have worsened.State Farm, for instance, said in 2023 that it would no longer accept new homeowners' insurance applications in California.