Turn your wildfire mitigation into an insurance discount

Generate a free, carrier-ready verification document and cover letter — recording exactly what you’ve hardened and the standard each measure meets — to send your insurer for a wildfire-mitigation premium review. Print or copy; nothing is stored or sent on your behalf.

Your details (optional — used only to fill the document; nothing is stored or sent)

What have you completed?

Check each measure your home has. Underwriters want a completion date and proof — note which documentation you can attach.

Tip: insurers verify mitigation with dated before/after photos, contractor invoices, or a third-party/fire-district inspection (e.g., an IBHS Wildfire Prepared Home designation). Have these ready to attach when you send the request.

Pair it with these

Build your full mitigation plan →Tax credits & grants for this work →Best wildfire insurance companies →Wildfire insurance: the full guide →

Mitigation-for-insurance FAQ

How do I get an insurance discount for wildfire mitigation?

Document the hardening you’ve done and ask your carrier (or agent) for a wildfire-mitigation premium review. Insurers increasingly offer discounts — and California’s “Safer from Wildfires” regulation requires them — for measures like a Class-A roof, ember-resistant vents, a noncombustible 5-ft Zone 0, and 100 ft of defensible space. This tool builds the verification document and cover letter to make that ask, citing the standard each measure meets.

Does FireRisk.ai submit this to my insurer?

No. We generate the document and letter; you send it to your own insurer or agent. We don’t store anything you enter, and we’re not an insurer or an inspector. Carriers verify mitigation independently — typically with dated photos, a contractor invoice, or an inspection — so keep that documentation handy.

What documentation will my insurer want?

Usually dated before/after photographs of each measure, contractor invoices or receipts, and sometimes a third-party or fire-district inspection (e.g., an IBHS Wildfire Prepared Home designation). The verification document here organizes your completed measures and the standard each meets so the request is easy for an underwriter to act on.

Which measures matter most for a discount?

Underwriters weight the roof, vents, and the first five feet (Zone 0) most heavily, followed by defensible space and ignition-resistant materials. Those are also the highest-impact for actually surviving a fire — see your prioritized plan in the mitigation plan generator.