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Let’s Talk Insurance: Webinar
August 30, 2023 @ 5:30 pm - 7:30 pm
Napa Firewise will be hosting an insurance webinar on August 30th at 5:30pm! Joining us will be a representative from State Insurance Commissioner Lara’s office, United Policy Holders, and more. The webinar will include updates and resources pertaining to insurance in Napa County and is not to be missed. Make sure to register in advance for this informative session and read more about the insurance benefits that come with wildfire mitigation efforts.
In preparation for this important subject, Commissioner Lara’s office has provided the following resources and information:
Safer from Wildfires is a ground-up approach to wildfire resilience with three layers of protection — for the structure, the immediate surroundings, and the community. Following these achievable steps can help you save money on your insurance. Safer from Wildfires was created by an interagency partnership between Insurance Commissioner Ricardo Lara and the emergency response and readiness agencies in Governor Gavin Newsom’s administration. Learn more about Safer from Wildfires: https://www.insurance.ca.gov/01-consumers/200-wrr/Safer-from-Wildfires.cfm
Learn the 10 steps to being Safer from Wildfires
Every action under Safer from Wildfires will qualify you for an insurance discount. By doing more, you can save more. Click here to read the full text of the new Safer from Wildfires insurance regulation.
Class-A fire rated roof – Most roofs qualify including asphalt shingles, concrete, brick, or masonry tiles, and metal shingles or sheets. Wood shake shingles are not Class A fire-resistant rated. The Office of the State Fire Marshal maintains a list of tested and approved materials at its website.
5 foot ember resistant zone, including fencing – Removing greenery and replacing wood chips with stone or decomposed granite 5 feet around your home prevents fire from getting a foot in the door. Replacing wood fencing connecting to your home with metal is critical because it can act like a candle wick leading fire straight to your home.
Ember- and fire-resistant vents – Installing 1/16 to 1/8 inch noncombustible, corrosion-resistant metal mesh screens over exterior vents can keep wind-blown embers out of your house.
Non-combustible 6 inches at the bottom of exterior walls – Having a minimum of 6 vertical inches measured from the ground up and from any attached horizontal surface like a deck can stop embers from accumulating and igniting your walls. Noncombustible materials include brick, stone, fiber-cement siding or concrete.
Enclosed eaves – Installing soffits under your eaves can prevent heat and embers from getting trapped and igniting. When enclosing eaves, non-combustible or ignition resistant materials are recommended.
Upgraded windows – Multi-paned windows are more resistant to breaking during a wildfire, which helps keep flames from entering. Multi-paned glass or added shutters all qualify.
Cleared vegetation, weeds and debris from under decks – Noncombustible materials like concrete, gravel, or bare soil are permitted.
Removal of combustible sheds and other outbuildings to at least a distance of 30 feet – These include sheds, gazebos, accessory dwelling units (ADUs), open covered structures with a solid roof, dog houses and playhouses.
Defensible space compliance – following state and local laws requiring defensible space including trimming trees and removal of brush and debris from yard. See CAL FIRE’s website and your local city or county for details.
Being safer together – Safer from Wildfires recognizes two community-wide programs, Firewise USA and Fire Risk Reduction Communities.