Given insurance market changes, which retrofits most impact insurability in CA/FL/BC (roof class, vents, defensible space)?
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In California, insurers really care about ember-resistant vents, Class A roofs, and good defensible space because these things greatly lower wildfire risk. Over in Florida, it’s all about wind-rated roof decks, sealed seams, and impact-resistant windows and doors to get insured or stay covered. And in British Columbia’s fire-prone areas, wildfire protection like California’s is key, but metal or tile roofs and clean eaves give you an extra edge.
These upgrades are the key to keeping your insurance.
To improve insurability in CA, FL, and BC, consider the following retrofits:
- Roof Upgrades
Impact-Resistant Materials: Installing impact-resistant materials like metal roofs can reduce risk and potentially qualify for insurance discounts.
-Newer Roofs: Upgrading older roofs can improve insurability, as insurers often view newer roofs as less risky.
-Roof Class: Class A roof coverings, which are designed to withstand severe fire exposure, can improve insurability in wildfire-prone areas. - Defensible Space
-Clearing Flammable Vegetation: Creating defensible space around homes can reduce wildfire risk and improve insurability.
-Home Hardening: Implementing home hardening measures, such as ember-resistant vents, can also reduce wildfire risk.