PROPERTY UNDERWRITING RESOURCES
Wildfire risk for structures in a given area, active fire perimeters and historical fire data, evacuation zones, and satellite hot spots.
What does the home look like from Google Earth’s view?
A comprehensive guide to hardening your home against wildfire risks.
Resources on local evacuation routes, fire safety documents, and community engagement through events and volunteer opportunities.
CRITICAL INFORMATION FOR the best INSURANCE APPLICATIONS
- What year was the home built?
- 30+ years can be difficult.
- Year the roof was replaced?
- Hopefully within the past 30 years.
- Year the electrical was updated?
- The home should be on circuit breakers.
- Is the panel Zinsco or similar?
- Zinsco panels are a fire hazard.
- Year plumbing updated?
- Galvanized plumbing is bad.
- Year HVAC updated?
- Partial or full replacement.
- Fire department within five miles?
- Must be paid; not volunteer.
- Fire hydrant within 1,000 feet?
- Worth the time to look for it.
- Google Street View
- This is what the underwriter looks at first.
- Is the home well-maintained?
- No cracks, peeling paint, debris, etc.
- Need by date?
- More time is better.
- Who is the insured?
- Have the property owner call for insurance.
- How is Title held?
- It’s different if held in a Trust or LLC.
- What are we quoting?
- House or manufactured home?
- Who will live there?
- Owner-occupied vs. tenant-occupied.