IBHS Wildfire Prepared Home
Insurance Institute for Business & Home Safety
FireBreak assessments follow IBHS standards—the first wildfire mitigation program allowing homeowners to earn designation through science-based actions.
What We Check
- 0-5 Foot Zone: Ember ignition area reviewed by AI
- Roof & Vents: Material and condition documented
- Building Features: Eaves, vents, exterior materials evaluated
- Defensible Space: Vegetation and fuel load analyzed
Learn more at ibhs.org →
NFPA 1144 & Firewise USA
National Fire Protection Association
FireBreak follows NFPA 1144 standards for reducing wildfire ignition hazards and supports Firewise USA® community programs.
Defensible Space Zones
- Zone 0 (0-5 ft): Ember-resistant area—non-combustible materials only
- Zone 1 (5-30 ft): Immediate zone—fuel reduction and spacing
- Zone 2 (30-100 ft): Extended zone—vegetation management and tree spacing
What We Document
- Photos of all three zones with AI vegetation analysis
- Combustible material detection within 5 feet
- Tree spacing and ladder fuel identification
- Deck and structure compliance verification
Learn more at nfpa.org →
California Safer from Wildfires
California Department of Insurance
FireBreak supports California's Safer from Wildfires program—a comprehensive wildfire resilience framework for structure, surroundings, and community.
Key Actions We Document
- Roof: Class A fire-rated verification
- Vents: Ember-resistant documentation
- Windows: Multi-pane, tempered glass assessment
- Defensible Space: 100-foot zone compliance (PRC 4291)
- Zone 0: 5-foot ember-resistant zone (2025 requirement)
- Deck & Fence: Ignition-resistant material evaluation
- Vegetation: Ongoing maintenance tracking
AB 888 - Safe Homes Act
Every documented action qualifies for insurance discounts. More actions documented = greater savings potential.
Learn more at insurance.ca.gov →
Additional Standards
CAL FIRE (PRC 4291)
- 100-foot defensible space documentation
- Annual clearance requirement tracking
International Wildland-Urban Interface Code
- Building material ignition resistance
- Roof and wall construction standards
Local Requirements
Assessments can be customized for county fire departments, fire districts, municipal ordinances, and HOA regulations.
Insurance Recognition
Insurers recognize these standards because they reduce wildfire risk.
What Insurers Need
- ✓ Third-party verification
- ✓ Industry standards referenced
- ✓ Photo documentation
- ✓ Timestamped evidence
What You Get
- ✓ AI-verified assessments
- ✓ IBHS, NFPA, CA standards
- ✓ GPS-tagged photos
- ✓ Comprehensive reports
Expected Savings
15-25% average premium reduction
Varies by insurer, location, and mitigation actions completed.