Firewise Insurance Benefits
Hidden Hills Firewise is a recognized Firewise Community by Firewise USA®.
The California Department of Insurance (CDI) requires home insurance companies to provide discounts to Firewise communities. Download your Hidden Hills Firewise Certificate, and send it to your insurance company to see what kind of discount they offer. For even greater savings, consider adding home hardening and defensible space work to your home.
The primary reason for creating the Hidden Hills Firewise Community is to save lives and property. However, in doing so, in October 2022, Commissioner Ricardo Lara, from the California Department of Insurance (CDI), signed into law a regulation that requires insurers to reflect and take into account specified mitigation factors in their rating plans.
Familiarize yourself with the science and insurance regulations. Technology is enabling insurance companies to more accurately assess their risks.
Today, there is a shift to “risk prevention” for both homeowners and insurance companies.
Insurance companies offer additional discounts if you can show them you have done wildfire mitigation to your home. Wildfire mitigation is divided into two sections: Home Hardening, mitigation—work you have done to your home, and Defensible Space, mitigation—work you have done around your home.
The more you do, the more you save.
The CDI provides many resources and information regarding insurance discounts.
Below are some helpful links to information provided by the CDI:
- CDI adopts requirements for insurers to reflect and take into account specified mitigation factors, note the paragraph on “Property-level mitigation efforts“
- What does “Safer from Wildfires” mean for your home insurance
- California Department of Insurance
- 10 Steps to being “Safer from Wildfires”
- California FAIR Plan
- List of Insurers that Sell Difference in Conditions (DIC) Policies-Complements a FAIR Plan Policy
- New Insurance Pricing Regulations