Insurance
How insurers use home hardening
California regulation names a specific list of wildfire mitigation measures and requires insurers who price on wildfire risk to reflect them.
The list is not ours
10 CCR 2644.9 sets out the measures a carrier using a wildfire risk model has to account for when it rates a property. That is where the items in this assessment come from. We did not choose them and we cannot add to them.
You are entitled to specifics
The regulation also requires a carrier to give you your property level wildfire risk score, where that score sits in its range, a property specific explanation, and the premium reduction each listed measure would produce on your policy. That last figure can only legitimately come from your carrier, because it depends on your rating plan.
Why documentation matters
A carrier will want evidence, not a claim. Photographs, receipts, product documentation, and a clear inventory of what is in place make the request straightforward to process. Your assessment produces that inventory and a pre-filled letter you can send.
Where the credit applies
Most carriers apply mitigation credit to the wildfire portion of your premium rather than to the whole bill. We do not estimate what any measure may be worth to you. A measure that is on the statutory list may qualify you for a credit from your insurer, and your insurer is the party that has to tell you what it is.