Mitigation Resources
Mitigation Overview
There are effective and scientifically proven methods to mitigate your home against some of Colorado’s most common natural hazards: wildfire and hail. Here you will find information on how the Colorado FAIR Plan educates consumers on steps they can take to “harden” their homes against natural disasters, along with other key resources.
Wildfire Risk Scores
The Colorado FAIR Plan uses Zesty to assess wildfire risk for properties. Zesty provides two scores. The Level 1 score is a community-level score; the Level 2 score is a property-level score. Each score is on a scale of 1-10, with 1 being the lowest risk and 10 being the highest.
In addition to the number, Zesty also provides the top three factors driving each score. If any of those factors are inaccurate, an individual can request a re-score with supporting information.
While the Colorado FAIR Plan does not provide discounts for individual mitigation actions taken, the Zesty score is part of the FAIR Plan’s rates and is reflected in premiums. If a wildfire risk score is lowered due to mitigation efforts, it is possible that the premium will decrease.
Mitigation Resources
There are several resources to help you understand and implement mitigation strategies. A well-mitigated property is the best path away from the Colorado FAIR Plan and toward standard-market coverage with better coverage and generally lower costs.
IBHS Wildfire Prepared Home
IBHS FORTIFIED Roof Standards
CO Wildfire Resiliency Code
Wildfire Partners, Boulder County
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