Safer from Wildfires, 10 CCR 2644.9
The 12 measures, and who does the work
California regulation defines 12 wildfire mitigation measures. The CA FAIR Plan mirrors them in its hardening discount schedule, and admitted carriers recognize them too. Completing a measure may qualify you for a discount on the wildfire portion of your policy.
The FAIR Plan maximum is 16.4% off the wildfire portion of a Dwelling Fire policy for all 12 measures combined. Your own carrier sets the actual number, so check the FAIR Plan schedule and ask your carrier before you budget around any figure.
Your structure
Work on the building itself.
Class A fire-rated roof
A roof assembly rated Class A, the highest fire rating, so wind-driven embers landing on it do not start a fire.
Ember-resistant vents
Vents screened or baffled so embers cannot get into the attic or crawlspace.
Enclosed eaves
Boxing in open eaves so embers cannot collect and ignite under the roof edge.
Noncombustible bottom six inches of exterior walls
Replacing the lowest six inches of siding with a material that will not burn.
Upgraded multi-pane windows
Dual-pane windows with at least one tempered pane, which resist breaking in radiant heat.
Noncombustible deck, patio cover, or porch surface
Decking and patio covers built from materials that will not ignite from embers.
Your immediate surroundings
The ground and the plants around the building.
The five feet closest to your houseZone 0
Clearing plants, bark mulch, stored wood, and anything else that burns out of the five feet next to the walls.
Removal of combustible sheds and outbuildings within 30 feet
Taking out sheds, playhouses, and similar structures that could carry fire to the home.
Your community
Recognition your whole neighborhood earns. No contractor performs these.