How Wildfire Hardening Can Earn You a Fair Plan Insurance Discount
If you live in wildfire-prone areas of California, protecting your home from fire isn’t just about peace of mind—it can also save you money on insurance. The California Fair Plan now offers discounts for homes that meet specific wildfire hardening requirements, making it a great incentive to invest in fire-resistant upgrades.
Wildfire Hardening for Structure Discount
To qualify for a discount under the Wildfire Hardening for Structure category, your home must meet these key criteria:
Class-A Fire Rated Roof: Your roof should be composed of fire-resistant materials such as composition shingles, stone, concrete, clay tile, or metal.
Non-Combustible Exterior Walls: The bottom six inches of all exterior walls must be made from non-combustible materials to prevent fire from spreading.
Ember and Fire-Resistant Vents: All vents should have wire mesh coverings to block embers from entering attic or crawl spaces.
Upgraded Windows: Multi-paned windows add an extra layer of protection by reducing the risk of heat-related breakage and fire entry.
Enclosed Eaves: Open eaves are vulnerable to ember intrusion, so enclosing them is crucial to reducing fire risk.
Wildfire Hardening for Immediate Surroundings Discount
Reducing the fire risk in the immediate area around your home is just as important as hardening the structure itself. To qualify for this discount, your property must have:
Cleared Vegetation and Debris from Under Decks: Dry brush and flammable materials under decks can act as fuel for fire, so regular maintenance is essential.
5-Foot Ember-Resistant Zone Around the Home: Keep the area immediately surrounding your house clear of combustible materials, including wooden fences and mulch.
Removal of Combustible Sheds and Outbuildings: Any flammable structures within 30 feet of your home should be relocated or replaced with fire-resistant materials.
Defensible Space Compliance: Maintaining defensible space according to California Public Resources Code 4291 ensures your home has a buffer against encroaching flames. This includes trimming trees, removing brush, and clearing debris from your yard.
Why Invest in Wildfire Hardening?
Beyond insurance savings, these upgrades significantly enhance your home’s ability to withstand wildfires. They can make a crucial difference in protecting your home, giving firefighters a better chance to defend it, and keeping your family safe.
To give your home a fighting chance against wildfires, consider installing California wildfire defense sprinklers. These systems add an extra layer of protection by keeping your home and surrounding area damp, reducing the risk of ignition. Contact California Wildfire Sprinklers today for a free estimate and learn how our wildfire sprinkler defense systems can further safeguard your property!
If you’re looking for a wildfire sprinkler defense system to complement your home hardening efforts, California Wildfire Sprinklers offers expert installation in Placer, Nevada, Sonoma, El Dorado, Butte, and Contra Costa counties. Contact us today to learn more about how you can safeguard your home against wildfires!
Book your free estimate with California Wildfire Sprinklers here.
For more details on the California Fair Plan and its wildfire hardening discounts, visit their official website: California Fair Plan Contact Page.