. >> reporter: jens lindeman's home was one of nearly 12,000 destroyed in the l.a. fires. a professional musician in the days following the fire, lindeman returned to the ruins of his home to take some time to reflect. ♪ we spoke with him today from kansas, where he was preparing for a concert tonight. he and his wife have just sarted the long road to recovery. >> we registered for fema immediately, and it has been as quick as one could imagine, but the system -- it's overwhelmed right now. >> reporter: thousands are turning to fema for help, with temporary housing and repair and replacement cost. the agency's website states that applicants may have to undergo an inspection. yesterday, in pacific palisades, president trump suggested the future of fema is uncertain. >> you don't need fema, you need a good state government. you have your own, essentially fema, you fix it yourself. >> reporter: the president toured the damage, now estimated at up to $275 billion. what does that mean for the average homeowner's premium? >> we're going to see an increase in what people are payi