Insurance and program paperwork

What goes in the record

• Your address, county, and state.
• For each project: the measurements, the part and model, its test documents, the order number and date, and the date the work was done.
• Before and after photos you choose. Location data is removed from every photo when you upload it.
• For each project, what your state’s insurance rule and the Wildfire Prepared Home standard say about it.

State rules that make insurers count it

• California: Safer from Wildfires. Insurers that use wildfire risk models must give discounts for ten listed mitigation actions, in three layers: the house, the yard and first 5 ft, and the neighborhood.
• Colorado: Wildfire risk scores and mitigation discounts (HB25-1182). Admitted home insurers and the Colorado FAIR Plan that use wildfire risk models must account for property-level and community-level mitigation in pricing, or give a discount for qualified mitigation if their model does not. From October 1, 2026, applicants and policyholders get a notice with their wildfire risk score, the property features that drove it, the effect of mitigation, and the right to appeal.
• Montana: Right to see your wildfire risk score (MCA 33-16-117). Admitted insurers that use a wildfire risk score in rating homes must, on request from the insured, their agent, or an applicant, provide the score and what drove it.
• Montana: Insurer mitigation discounts allowed (HB 136, 2025). Montana's 2025 HB 136 lets insurers offer benefits or premium reductions for fire, wind, and hail mitigation without breaking the anti-rebate law, and requires insurers to tell policyholders in writing. Discounts are optional, not required.
• Nevada: Wildfire Mitigation Incentive Program (insurer discounts). Under section 9 of AB 100 (2021), home insurers can file wildfire mitigation discounts on an expedited track. Participation is voluntary, and the Division's guide lists the measures and maximum discounts insurers may use.
• Nevada: Nevada AB 376 wildfire exclusions in home policies. AB 376 (2025) lets insurers, starting January 1, 2026, leave wildfire out of standard homeowners policies and sell wildfire coverage as a separate product. It also speeds rate approvals and allows product testing outside existing rules.
• Oregon: Mitigation in home insurance rates (SB 82). Home insurers must consider home hardening and defensible space in rating and underwriting, post on their websites whether and how mitigation affects rates, and send individualized notices with premium increases, cancellations, and nonrenewals that list mitigation actions and the wildfire risk score. Insurers may not use the state wildfire risk map for rating.
• Utah: Insurers and the state wildfire map (HB 48). Insurers writing property coverage in the wildland urban interface must use Utah's high-risk WUI boundary to decide whether a property is high risk (they may also use other data), and must disclose premium increases above 20% or a decision to stop coverage. Lot assessment triage data may be shared with insurers and homeowners.

Where a state rule applies, your plan can also prepare a letter asking your insurer to review your rate for the work, with the record attached.

The certification

IBHS Wildfire Prepared Home is a certification an evaluator confirms in person. It’s offered in 14 states. Your plan prepares a checklist of the items it covers and the photos to take.

Garage door seals and gap sealing aren’t named in most lists. They close common ember entry points, and the record says so rather than claim more.

Discounts and their amounts vary by insurer and aren’t guaranteed. Ask yours which documents it wants.