Live CAL FIRE + FEMA · California
A new roof, ember-resistant vents, cleared ground around the walls. Organize the evidence of your mitigation work so your agent can review it. Collect photos and documents at your own pace; the insurer decides coverage and discounts.
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Your whole book on the severity map, with homeowner submissions queued for review. Invite a client in one click.
Start a property fileSign in · free tier, no card required · The agent page
I own the house
Create your free workspace, then collect photos and documents with your phone. Your agent reviews the evidence; your insurer decides coverage.
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California requires insurers to discount homes that do specific safety work. The incentive exists. What's missing is a standard way to show what a house has actually done.
Priya's insurer declines to renew, not for anything she did, but because her whole area is now rated too risky. Four more say no before she finishes describing the house. Her mortgage requires coverage.
She has already done the work. New Class A roof. Ember-resistant vents. Five feet cleared around the walls. None of it is visible to anyone deciding her case.
Ravi knows the house is a good risk. To prove it he checks a state fire map, then a separate federal flood map, recalls which measures qualify, chases photos and receipts, and assembles something an underwriter will accept.
Then he calls carrier after carrier, and if they decline he documents that he tried, because state law requires that record before the specialty market is an option.
A short walkthrough from the homeowner's side: your property and its hazard zones, the eleven actions California credits, what counts as proof for each, what to do when your agent asks for a clearer photo, and signing the file your insurer receives.
Your house, its hazard zones, and your agent. Eleven actions California credits. Two of yours already have documents. Every upload is checked automatically. A hint, never approval. When a photo is not clear enough, you are told what to fix. Retake it. When you have what you can, tell your agent. You sign it. That is what your insurer gets.
Collect documents at your own pace, and return whenever you have more evidence.
Type your address. CertiDwell asks CAL FIRE for your Fire Hazard Severity Zone and FEMA for your flood zone — official hazard context, distinct from insurers’ own risk models. Knowing the answer is better than guessing at it.
Not our list — the state’s. The Department of Insurance consumer checklist lists eleven actions: a Class A roof, ember-resistant vents, the critical first five feet, trimmed trees. Record the work you have done and identify proof still needed.
A roofing invoice from 2021. A photo of the vents. A dated photo of the cleared ground. Upload it, say what it is, and it attaches to that action. Do it over weeks — nothing has to happen in one sitting, and your agent can see what arrives.
Everything becomes a single PDF: your zones, every action, the proof behind each one, and your signed statement that it is true. Send it yourself, or invite your agent and let them take it from there.
You can start this yourself, and bring your agent in when you are ready.
A structured evidence file, a review queue and fewer follow-ups for missing documents.
A concrete list of what to do next, and credit for the work already paid for.
A consistent, complete file in a predictable order, instead of a scattered email chain.
An agent may place real coverage off this output, so the boundaries are stated plainly here and everywhere in the product.
Nothing, for what a homeowner needs.
What homeowners ask before spending a weekend on this.
You can start it yourself. Create an account as a homeowner, look up your own address, work through the eleven actions and attach your proof. You can invite your agent at any point — they get a link and do not need an account first — and they see exactly what you have uploaded.
It cannot force any insurer to renew or to quote, and nobody honestly can. What it does is turn work you have already done into evidence in the form insurers ask for, so the conversation is about your specific house rather than the zone it sits in. Whether that changes the decision is the insurer's call.
It is the list of eleven mitigation actions the California Department of Insurance recognises, in three groups: the structure itself, the area immediately around it, and the wider community. Under California Insurance Code §2644.9 admitted insurers must reflect these in their wildfire rating. The regulation does not set a discount amount — each insurer decides that.
No, and be wary of anyone who says otherwise. The regulation requires insurers to account for mitigation; it does not fix what any of it is worth, and every insurer prices differently. CertiDwell documents what you have done. It does not promise what it will save.
Usually something you already have: a contractor invoice, a product spec sheet, or a dated photo. Each action tells you what would satisfy it before you go looking. Photos are checked automatically for things like resolution and date — those checks are hints for your agent, not approval.
No. The checklist is a living record. A roof invoice today, photos next weekend. Nothing is lost between visits, and when you are ready you press a button that tells your agent.
Neither. Nobody visits your property, and CertiDwell does not certify anything — including the IBHS Wildfire Prepared Home designation, which only IBHS can award. It records what you say and the documents you provide, with your signature on it.
They are stored encrypted and are visible to you, to any agent you invite to that property, and to an administrator. They are not sold. Read the privacy notice for the binding version.
Evidence checklist · Photo guide · Hazard maps and insurance · Renewal preparation · Sample packet
The background, in plain English and free to read — no account, no download.
Check a property's fire and flood zones, and see the checklist behind it. The free tier costs nothing.
