How Defensible Space and Insurance can Save Your Home

Is Your Home Protected?

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As wildfire risks continue to impact California homeowners, it's essential to stay informed about available insurance options and property protection measures. This newsletter provides an overview of the California FAIR Plan and the importance of maintaining defensible space around your property.

What is the California FAIR Plan?

The California Fair Access to Insurance Requirements (FAIR) Plan is a state-mandated insurance pool established in 1968 to offer basic property insurance to homeowners and businesses unable to secure coverage through the standard market, particularly in high-risk areas prone to wildfires.

The FAIR Plan primarily provides coverage for fire, lightning, smoke, and internal explosions. Policyholders can opt for extended coverage to include perils such as windstorms, hail, riots, aircraft or vehicle damage, vandalism, and malicious mischief. It's important to note that the FAIR Plan serves as an insurer of last resort; therefore, premiums may be higher, and coverage more limited compared to standard policies. ​

Defensible Space Requirements in California

Defensible space refers to the buffer zone created between a structure and the surrounding vegetation to reduce fire risk. California law mandates property owners in fire-prone areas to maintain 100 feet of defensible space around structures. This area is divided into zones:​

• Zone 0 (0-5 feet): Emphasizes the removal of combustible materials immediately adjacent to the structure to protect against ember ignition. ​Ready for Wildfire+4Ready for Wildfire+4County of Los Angeles Fire Department+4

• Zone 1 (5-30 feet): Requires the reduction of flammable vegetation and the separation of plants to prevent fire from spreading to the structure.​

• Zone 2 (30-100 feet): Focuses on creating horizontal and vertical spacing between plants and trees, and the removal of dead vegetation to slow the spread of fire.​

Some local jurisdictions may have stricter requirements based on regional climates and specific risks. For example, San Diego County mandates 50 feet of clearance in Zone 1. It's advisable to consult with local fire departments or fire protection districts to ensure compliance with both state and local ordinances. ​dfiinsurance.com+3CAL FIRE+3Ready for Wildfire+3

Recent Developments

In response to escalating wildfire risks and market challenges, California Insurance Commissioner Ricardo Lara approved a significant expansion of the FAIR Plan's commercial property coverage. The plan is now required to offer up to $20 million in coverage per building, with a maximum of $100 million per location, more than doubling previous limits.

Additionally, the FAIR Plan has introduced new discounts for homeowners who implement wildfire mitigation measures, such as maintaining defensible space and hardening their homes against fire. These steps not only enhance property protection but may also lead to reduced insurance premiums.

Conclusion

Understanding your insurance options and adhering to defensible space requirements are crucial steps in safeguarding your property against wildfires. Regularly reviewing your insurance coverage, staying informed about policy changes, and implementing recommended fire mitigation measures can significantly enhance your preparedness and resilience.