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Wildfire Safety Assessment

As a homeowner that is not connected to a homeowner’s or property owner’s association, you still have some terrific options to reduce risk to your home, property, and family. These action items, once completed, and pending a home inspection, may result in favorable treatment by one of the many insurance providers returning to California and underwriting wildfire insurance.

Here's What's Involved

Integrated Building and Hazard Classification (IBHC) wildfire insurance offers a variety of benefits for individual homeowners seeking fire insurance:

IBHC wildfire insurance may provide comprehensive coverage for property damage caused by wildfires, including structural damage to homes, outbuildings, and landscaping, as well as additional living expenses incurred during evacuation or rebuilding.

IBHC insurance utilizes advanced risk assessment tools and data to evaluate wildfire risk at the individual property level. By accurately assessing risk factors such as proximity to vegetation, slope, and building materials, insurers can tailor coverage and pricing to reflect the actual risk level, encouraging homeowners to implement proactive risk mitigation measures.

IBHC insurance often offers incentives, discounts, or premium reductions for homeowners who take proactive steps to mitigate wildfire risk. This may include measures such as creating defensible space around the property, installing fire-resistant roofing and siding, and maintaining vegetation and landscaping in a fire-safe manner. These incentives not only help homeowners reduce their insurance premiums but also contribute to community-wide wildfire resilience efforts.

In the event of a wildfire-related loss, IBHC insurance provides financial support for homeowners to recover and rebuild their properties. This may include coverage for rebuilding costs, temporary housing expenses, and replacement of personal belongings. Additionally, insurers may offer resources and support services to help homeowners navigate the claims process and expedite recovery efforts.

By encouraging homeowners to implement wildfire risk mitigation measures and promoting community-wide resilience efforts, IBHC insurance contributes to the long-term sustainability of communities in wildfire-prone areas. By reducing the frequency and severity of wildfire-related losses, IBHC insurance helps protect property values, preserve natural resources, and ensure the viability and livability of communities over the long term.

NOTEYour home must pass an insurance company certified inspector process. You must pass this inspection in order to qualify.

Overall, IBHC wildfire insurance offers a complete and proactive approach to managing wildfire risk, providing individual homeowners with coverage that is essential in the wild land urban interface (WUI). 

Are you ready to get started? We'll direct you to the IBHS website:

Need to register? Start here!

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