home hardening

What is “Home Hardening”?

Did you know that embers, not direct flames, are the main cause of house fires during a wildfire?

“Home Hardening” helps protect homes by making them more resistant to embers, heat, and flames. This includes modifying structural materials, design, and the surrounding environment.

Examples of some home hardening measures include:

  • Use fire-resistant roofing (metal, tile, or Class A shingles).

  • Cover vents with metal mesh (1/8-inch or finer).

  • Seal gaps in eaves, rooflines, and siding.

  • Replace combustible siding with fire-resistant materials like stucco or fiber-cement.

With increasing wildfire threats and insurance challenges, home harding will become more relevant in the coming years. Educate yourself now to stay ahead of the curve and prepare your home for the evolving homeowners insurance requirements.

To learn more about home hardening, check out this link:

Here is an example of a home spared in the recent LA fires aided largely by home hardening measures:

How Recent LA Wildfires May Impact Colorado Homeowners Insurance

Homeowners insurance in Colorado's foothills has become increasingly challenging since the Marshall Fire in December 2021, which caused over $2B in damages. The recent wildfires in Los Angeles and rising natural disasters nationwide are straining the insurance industry, and Colorado homeowners will feel the impact sooner than you may think.

Insurers are reassessing wildfire risks, potentially leading to:

Premium Increases: Higher rates in wildfire-prone areas like Colorado. Local insurers are now saying that it’s not just the foothills that are being assessed as high wildfire risk.

Policy Cancellations: Many carriers are not renewing policies in high-risk areas, especially the foothills.

Stricter Coverage Requirements: Homeowners may need fire mitigation measures (e.g., defensible space, home hardening) to maintain coverage. On site inspections will be required in many cases to obtain and maintain coverage.

Reduced Coverage Options: Some insurers may limit wildfire claims or cap payouts. The Colorado FAIR Plan will provide basic coverage, but it may come with challenges.

Now is the time to educate yourself and clients on fire mitigation. More to come on "Home Hardening" and what you need to know to keep your homes protected.