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⚠️ California insurance costs are rising — FAIR Plan rates up 29%, Oct 15, 2026
Your wildfire discount could be worth $500 to over $4,000 a year — but your insurance company won't just hand it to you
Whether you're with a traditional carrier or you've been forced onto the California FAIR Plan, state law mandates that insurers offer premium discounts for wildfire hardening. The catch? They don't make it easy to claim. Zone Zero Fire Inspections gives you the tools and knowledge to document your defenses, prove your eligibility, and pursue the savings you're already entitled to.
Free to walk through — pay only if you want your finished, ready-to-send documents.
Free to Walk Through — $99/Year Unlocks Your Documents
Complete the entire guided assessment at no cost. When you're ready for your real, finished homeowner instructions and broker report, a $99/year subscription unlocks them — redo the walkthrough as often as you need all year, cancel anytime.
Zone Zero Assessment
$99/year, cancel anytime
✓ Free: the full 12-criterion guided walkthrough
✓ Free: pass / fail examples with photo guidance at every step
✓ Free: unlimited photos and notes per criterion
✓ $99/year unlocks: your finished homeowner instructions document
✓ $99/year unlocks: your finished, ready-to-email broker report
✓Reassess and re-download as often as you need, all year — cancel anytime, no long-term commitment
Actual savings depend on your property, your insurer, and which criteria your property meets. Discounts shown are the maximum currently available per carrier — not a guarantee of any specific outcome. Confirm applicable discounts with your insurance broker.
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Questions or Feedback?
Whether you've found a bug, have a suggestion, or have a question about your assessment, we'd genuinely like to hear from you.
Zone Zero Fire Inspections LLC ("we," "us," or "our") provides this guided self-assessment tool (the "Tool") to help property owners document the wildfire-hardening condition of their own property. By using the Tool, you acknowledge and agree to the following:
Who We Are. Zone Zero Fire Inspections is an independent technology provider. We are not an insurance company, a government agency, a licensed home inspector, or a fire protection professional. We are not affiliated with, endorsed by, or acting on behalf of the California FAIR Plan, any insurance carrier named within the Tool, or the Insurance Institute for Business & Home Safety ("IBHS").
What the Tool Does — and Does Not Do. The Tool guides you through a series of questions about your own property and generates a report reflecting your own self-reported observations and photographs. It is not a professional inspection, a licensed assessment, or an official fire-safety certification, and Zone Zero Fire Inspections has not independently verified any information you enter.
Discounts Are Not Guaranteed. Any discount percentages, ranges, or savings figures referenced anywhere in the Tool — including on the insurer-selection screen and within any generated report — are general estimates compiled from publicly available program information. They are illustrative only and do not constitute a quote, an offer, or a guarantee of any kind. Whether any discount applies to your policy, and in what amount, is determined solely by your insurance carrier or its authorized broker, using their own underwriting criteria in effect at the time of application, which may differ materially from anything referenced in the Tool and may change without notice. For the IBHS Wildfire Prepared Home™ path, designation is determined solely by IBHS following a separate, official in-person evaluation and a separate non-refundable fee paid directly to IBHS; nothing in the Tool constitutes or guarantees that designation.
No Outcome Is Guaranteed. Completing the assessment, generating a report, or achieving a compliant or passing result on any individual criterion does not guarantee that any specific discount will be approved, that your policy terms will change, or that you will receive any IBHS designation.
Your Responsibility. You are solely responsible for the accuracy of the information and photographs you provide. Zone Zero Fire Inspections assumes no responsibility for errors, omissions, or misrepresentations in your self-reported observations.
Safety First. Every step of this assessment can be completed safely from ground level. You are never required to use a ladder or climb onto a roof to complete the Tool, and Zone Zero Fire Inspections assumes no liability for injury arising from ladder use, roof access, or any other activity beyond what the Tool requires.
California State Discount Path: Upon completion, you will receive a signed report you can submit directly to your insurance broker. This document records the mitigation steps you self-assessed, at no cost beyond your Zone Zero access — it does not itself determine or guarantee which discounts apply. Your broker makes that determination and may independently verify any finding before applying it to your policy.
IBHS Designation Prep: This specific track is designed purely as a preparatory assessment and should not be submitted to your broker. Earning the official IBHS Wildfire Prepared Home™ designation requires a separate, non-refundable $125 fee paid directly to IBHS, followed by an official in-person evaluation. This self-check acts as a pre-screening tool, ensuring you know exactly what will pass and what needs work before the official evaluator arrives.
Which State Is Your Property In?
This tells us which report(s) apply to you — California properties get an extra step next.
Choose Your Insurance Company or Provider
This determines your specific discount range and how to submit your report.
Property & Client
Enter your name exactly as it appears on your insurance policy.
Included on the report so your broker can reach you with questions.
Find it on your property tax bill, or search your address at your county assessor's website.
Proves physical presence at property — capture on site.
Assessment Completed By
The property owner conducting this self-assessment, or the individual assisting the owner on their behalf.
Fill in required fields to begin
Your Assessment Is Complete
You'll get two separate documents: instructions for yourself, and the formal report for your broker. Remember — this shows what's compliant and what needs work. Only your broker can confirm which specific discounts you qualify for.
If You Need to Make a Correction
Save a backup now. If a specific item gets flagged later — by your broker, or during your IBHS evaluation — you can load that backup and fix just that section, no need to redo the whole walkthrough.
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You're in — full Zone Zero access, all year
Reassess as many times as you need, redo it whenever your broker asks for a change, and download both documents anytime between now and your renewal. This isn't a one-time file — it's a full year with you.
Your Zone Zero Access
Your subscription covers unlimited re-assessments and both documents below, all year — come back anytime.
Licensed to
California Wildfire Discount
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Homeowner Instructions
What your results mean, your action items, and exactly how to submit for your discount. For your own records.
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Official Assessment Report
The signed, photo-documented report formatted for your insurance broker.
📤 SEND THIS TO YOUR BROKER
IBHS Wildfire Prepared Home Prep
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IBHS Homeowner Instructions
Your action items and exactly what to fix before your official IBHS evaluator visit.
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IBHS Readiness Report
Your self-check against IBHS's published criteria, so you know exactly what will pass and what won't before the evaluator arrives.
🔒 FOR YOUR RECORDS ONLY — NOT SUBMITTED ANYWHERE
Save or print this for yourself. Not for submission to your insurer.
Unlock your full Zone Zero accessThis document, unlimited re-assessments, and every redo you need — all year, one subscription.
This is for you. It explains your results and what to do next — it is not the document your broker needs.
This is the document to email to your insurance broker.
You'll need to type your name and check the signature box below before this can be saved or shared.
Unlock your full Zone Zero accessThis report, unlimited re-assessments, and every redo you need — all year, one subscription.
Save as PDF
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Before you subscribe
You've already started an assessment for this property. What would you like to do?
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