Defensible Space & Your Fire Insurance
Clear it, document it, keep your coverage. We make your property compliant and hand you the proof to submit to your insurer.
California’s wildfire-insurance crunch
In fire-prone areas, insurers are inspecting properties, declining to renew policies, and requiring defensible space as a condition of coverage. If you’ve had a non-renewal, a rate hike, or an inspection notice, you’re not alone.
The good news: the single most common thing insurers ask for is risk mitigation — and for most homes that means clearing your defensible space to standard. That part, we handle.
Got a non-renewal or an inspection notice?
The step insurers ask for is risk mitigation — and that’s clearing your defensible space: the Zone 0 ember-resistant band, Zones 1 and 2 out to 100 feet (50 feet each in San Diego County), and the brush around your home. We do the work to standard and give you photo proof to submit to your insurer or agent.
- Clearing to CAL FIRE / county defensible-space standards
- Before/after photos, zone by zone
- A simple mitigation packet you can forward to your insurer
What inspectors and insurers look for
Requirements vary by insurer, but most focus on the same fundamentals. We clear and document all of them:
- Defensible space (Zones 0–2) — 100 ft of managed clearance
- Zone 0 ember-resistant clearing — the critical first 5 ft
- Brush clearing — dead and overgrown vegetation removed to code
- Gutters & under-deck — where embers collect and ignite
We document everything
Clearing without proof doesn’t help you with your insurer. Every job comes with before/after photos by zone and a simple write-up of what was done — a mitigation packet you can hand straight to your insurer or agent.
A possible discount
Under California’s “Safer from Wildfires” framework, insurers are required to offer discounts for qualifying defensible space and home hardening. Clearing your property may help you qualify.
We can’t guarantee a discount or any coverage outcome — that’s between you and your insurer. What we can do is the mitigation work and the documentation that those programs reward.
Authoritative resources
Insurance & defensible space — FAQ
My insurer sent an inspection notice — what do I do?
Clear your defensible space to the standard they cite (usually 100 ft / Zones 0–2) and document it. We do the clearing and hand you before/after photos you can submit to your insurer or agent.
Will clearing get me a discount?
It may help. Under California’s “Safer from Wildfires” framework, insurers must offer discounts for qualifying defensible space and home hardening. We can’t guarantee a discount or any coverage outcome — that’s between you and your insurer — but documented clearing is the kind of mitigation those programs reward.
Can you guarantee my policy won’t be non-renewed?
No. We’re not an insurer and we don’t control coverage decisions. What we can do is make your property compliant and give you the documentation to show your insurer you’ve done the work.
Get a free defensible-space assessment
Send us your situation — non-renewal, inspection deadline, or just getting ahead of it — and we’ll get back to you fast.
Ready to get started?
Free on-site quote, usually within 48 hours. Tell us where you are and what needs clearing.