What to compare
Wildfire mitigation may affect eligibility, inspection results, or a credit, but programs and evidence vary by state and insurer. Document the property and community work without promising a discount.
- Roof and vent materials, ember-resistant openings, gutters, decks, fences, siding, and attached structures
- Defensible-space zones, vegetation clearance, tree condition, access, address visibility, and water supply
- Community designation or fire-protection information when an insurer recognizes it
- Inspection form, scoring method, required reinspection, and correction deadline
- Whether mitigation changes eligibility, deductible, premium, or only the underwriting record
Questions that need a written answer
| Question | What to verify |
|---|---|
| Which standard does the insurer use? | Ask for the named program, version, required form, and acceptable inspector. |
| Will work guarantee a policy? | No. Capacity, location, property condition, and other underwriting rules can still apply. |
| How long is evidence valid? | Record inspection and renewal dates and whether annual vegetation work must be repeated. |
| What if data is wrong? | Use dated photographs, receipts, and the insurer's correction process. |
Records to keep with the quote
- Dated photographs by mitigation zone
- Roof, vent, window, deck, and fence product records
- Arborist, landscaping, or fire-mitigation invoices
- Completed inspection and written insurer response
Important boundary: Use local fire and emergency guidance for safety work; the insurance credit, if any, must be confirmed by the insurer.