California wildfire mitigation discount program

Insured property addresses will be verified to determine if the home qualifies under these community designations:

• Fire Risk Reduction Community by the Board of Forestry, and/or
• Firewise USA Site in Good Standing by the National Fire Protection Association.

A primary determinant of a home’s ability to survive a wildfire is the structure’s ignitability. Under the program, premium discounts will be applied for the following mitigations:

• Enclosed eaves - Enclosed eaves are either boxed-in roof eave soffits with a horizontal underside or an exterior covering applied to the underside of the rafter tails supporting the eaves. <See Figure 1.0 #1>
• Ember and Fire-resistant vents - All vents on the foundation, gable, under eaves, and on the roof of the home should be covered in 1/8-inch or 1/16-inch non-combustible, corrosion-resistant metal mesh screens. <See Figure 1.0 #2>
• Multi-pane windows or non-combustible deployable shutters - All windows are multi-pane or equipped or have deployable shutters that cover the entire window with no openings. <See Figure 1.0 #3>
• Class-A fire rated roof - Class-A is the highest-rated roof offering the most resistance to fire and typically made of materials such as composition, metal, clay, or tile. Wood shake roofs do not qualify as a Class-A rated roof. <See Figure 1.0 #4>
• Vertical ground clearance - Six inches of non-combustible vertical clearance at the bottom of the exterior walls of the home, measured from the ground upward. <See Figure 1.0 #5>

An additional determinant of a home’s ability to survive a wildfire is the quality of the surrounding defensible space.

• Non-existence of combustible materials within 5-feet of the home - Removal of vegetative debris (e.g. leaves, branches, etc.) from your roof, gutters and within 5-feet proximity of your home, including flammable fencing, firewood and other fuel (e.g. propane tanks). <See Figure 2.0 #7 & 8>
• Clearance of combustible vegetation and debris from decks and patios - Removal of all plant-based vegetation (e.g. leaves, needles, etc.) and other ignitable debris. <See Figure 2.0 #6>
• Lack of combustible structures within 30-feet of the home - Non-existence of ignitable physical structures, including: fences, gazebos, gates, walls, outbuildings, etc. <See Figure 2.0 #9>
• Fuel clearance of 100-feet around the home and property lines - Creation of defensible space by removing flammable materials such as trimming trees, elimination of brush and lawn debris from the yard, and other compliance to local ordinances and state law under Section 4291 of the California Public Resources Code (PRC 4291). <See Figure 2.0 #10>