Fire hardening may influence coverage decisions, but outcomes vary by carrier. Learn how to document improvements and discuss options with your insurer.
Verified Data
Counts pulled from CAL FIRE DINS inspections
CAL FIRE DINS records destroyed structures with >50% damage.
Source: CAL FIRE DINS
Five-year total of DINS destroyed-structure inspections.
Source: CAL FIRE DINS
DINS includes structures inside or within 100 meters of the fire perimeter.
Source: CAL FIRE DINS
DINS counts reflect inspected structures and may undercount total losses.
Coverage Considerations
Outcomes vary by carrier, policy, and location
Illustrative scenario only
*Actual impacts vary by insurer and property
Some insurers consider mitigation efforts during underwriting or renewal. Fire-resistant fencing can be a visible, documentable improvement to discuss with your carrier.
Certification Programs
These programs can guide documentation and mitigation planning
Documentation may support underwriting
The Insurance Institute for Business & Home Safety's Wildfire designation recognizes homes meeting specific criteria for defensible space, roofing, and exterior materials. Eligibility varies by program.
Community Programs
A NFPA program that recognizes communities committed to wildfire preparedness. Community programs may support mitigation planning; confirm any insurance impacts with your carrier.
Documentation Checklist
Local defensible space inspections can provide documentation you can share with insurers. Requirements vary by jurisdiction.
Documentation Tips
Proper documentation maximizes your insurance benefits
Take timestamped photos before, during, and after installation. Include wide shots and close-ups of materials.
Maintain organized records of all purchases, contracts, and payments related to fire-resistant improvements.
Request fire rating documentation where available. ASTM E84 or E136 test reports may be included, depending on the product.
After notifying your insurer of improvements, request written confirmation of any discounts or coverage changes.
Working With Your Insurer
Improve documentation and communication with your insurer
Get a free consultation on fire-resistant fencing that can help reduce your insurance costs