Insurance Renewal in California: Wildfire Risk Mitigation + Documentation

Zone 0 & Defensible Space

Reduce ignition pathways near structures and break up continuous fuels.

• 0–5 ft: remove/replace combustibles; tidy edges and transitions
• Prune vegetation and separate plants to avoid ladder fuels
• Address mulch and debris at foundation, steps, and decks

Home Hardening

Target ember entry points and accumulation areas.

• Ember‑resistant vents and protected eaves/soffits (where feasible)
• Gutter protection and regular cleaning; tidy roof edges
• Seal gaps that collect embers; check attachments and transitions

Documentation Package

Help your agent see progress clearly and quickly.

• Dated before/after photos with basic location context
• Short scope of work; materials/models where applicable
• Completion summary; invoices/permits if applicable

Coordination & Timing

We prioritize deadlines so you can submit on time.

• Scope aligned to letter (if any) and practical constraints
• Sequenced plan to complete high‑impact items first
• Agent‑ready packet for submission and follow‑ups

How does the assessment work?

We review your notice (if any), walk the property, and outline a prioritized plan with timing and costs before any work begins.

How do you decide what to do first?

We start with the highest‑impact items: 0–5 ft combustibles, roof/gutter edges, and ember entry points. Then we sequence the remaining work to fit your deadline.

Do I need to be home?

An initial walkthrough is best with you present. For follow‑up visits, we coordinate access and provide photo updates as work progresses.

What photos do you need for documentation?

Clear, dated before/after photos with basic location context (e.g., “north foundation”) so your agent and underwriter can see what changed.

How long does it take?

Most scopes complete in days to a couple of weeks depending on availability and complexity. We prioritize urgent cases and keep you posted.

How do you work with my agent?

You share our packet directly with your agent. If needed, we provide summaries or answer scope questions so they can submit quickly.