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Open·Nonprofit·Certification
IBHS Wildfire Prepared Home Certification
Insurance Institute for Business & Home Safety (IBHS)
What you get
$125 app + work cost · Pays back via 5–20% insurance discounts
Two tiers: Base + Plus. Plus tier earns higher insurance discounts. Some insurers now require certification for renewal in high-risk zones.
Current status
Always-on. Third-party inspector visit required after work complete.
Who qualifies
- Geography
- CA, CO, OR · all California counties
- Income
- No income limit
- Property
- single family, townhouse, manufactured
What work qualifies
- Class A fire-rated roof
- Ember-resistant vents
- Zone 0 vegetation clearing (first 5 ft)
- Enclosed eaves
- Ember-resistant fencing
- Fence-to-house break
- Fire-resistant siding
- Fire-resistant windows
· Licensed contractor required
Other rules: Requires third-party inspector visit (separate from RF1).
How to apply
- 01Confirm your home meets the eligibility above.
- 02Complete the qualifying work (or document existing work if it already meets the spec).
- 03Submit to Insurance Institute for Business & Home Safety (IBHS) with photos, contractor invoices, and any required forms.
How RF1 helps
We do the comprehensive hardening that earns the certification. Some insurers now require it for renewal.
Most homeowners qualify on paper but never claim — hiring the crew, capturing the work to spec, and crafting the submission stops them. We run end-to-end home hardening with vetted installers, document every install for each program's filing, and stack every claim into one project.