California requires insurance companies to offer premium discounts if your home is in a recognized Firewise USA community. The exact discount depends on your provider, but being in a "good standing" Firewise site can knock up to 10% off the wildfire portion of your policy, or combine with other hardening discounts to save up to 24.5%.

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Types of Insurance Discounts?

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Firewise Community Discount - Eligible if you live within “approved” community.

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Wildfire Hardening – Protecting the Structure Discount, the property must meet all of the following qualifications:

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• The dwelling must have a Class-A Fire Rated Roof (meaning composition shingle, stone, concrete or clay tile, or metal)

• 6 inches at the bottom of all exterior walls must be made of non-combustible material

• Vents must be ember and fire resistant (wire mesh covering)

• Windows must be double paned

• Eaves must be enclosed

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Defensible Space - Immediate Surroundings Discount, the property must meet all of the following qualifications:

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• Vegetation and debris must be cleared from under decks

• There must be an ember resistant zone maintained within five feet of the home

• There must be no combustible sheds or outbuildings within 30 feet of the dwelling

• Defensible space must be maintained including trimming trees, clearing of brush, and removing debris from yard (including trimming trees, removal of brush and debris from yard, in compliance with California Public Resources Code 4291)

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How do I obtain my discount?

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You must contact your Insurance Agent/Broker directly to inquire about discount % and eligibility. The Certificate will be proof that you are qualified for Firewise Discount.

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Do I need to report my work/investment to anyone to remain eligible.

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YES, please! What is activity is eligible for qualification?

For a complete list of examples go to: 

https://www.nfpa.org/en/education-and-research/wildfire/firewise-usa/firewise-usa-resources

Scroll down to "Wildfire Risk Reduction Information" and click on "find examples".

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