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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 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
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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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ZONE ZERO FIRE INSPECTIONS
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Before You Begin
Important Disclaimer: This tool provides a guided self-assessment and does not constitute a professional or official property inspection. Zone Zero Fire Inspections LLC is an independent entity and is not an insurance provider, government agency, or affiliated with the California FAIR Plan, any insurance carrier, or the Insurance Institute for Business & Home Safety (IBHS). Final eligibility and policy discounts must be verified directly by your insurance broker or, where applicable, a certified IBHS evaluator.
Safety First: Every step of this assessment can be completed safely from ground level. Under no circumstances are you required to use a ladder or climb onto your roof.
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.
Have a Saved Assessment?
If you previously saved your progress to a file — for example, mid-assessment, or after a broker asked for a correction — pick it up right where you left off.
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 progress file now. If a specific item gets flagged later — by your broker, or during your IBHS evaluation — you can resume from this file and fix just that section, no need to redo the whole walkthrough.
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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
Save or print this for yourself. Not for submission to your insurer.
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.
📸 Every photo also appears at full resolution. Alongside the smaller in-line photos, a dedicated full-page appendix follows the report with each image shown large and clear — no clicking or zooming needed.