Tag Archives: fire insurance

California – Your Home’s Wood Fence and Gate

Under Gov. Gavin Newsom’s executive order implementing AB 3074, and through the local adoption of ordinances 2025-02 and 2025-03, this far-reaching mandate is the latest headache for homeowners in San Diego County. Zone Zero rules are part of the 2026 California Wildland-Urban Interface Code, and they require property owners to remove all combustible materials within five feet of their home. While that may seem common sense at first glance, the devil is in the details. 

Zone Zero requires the removal of everything from wooden fences to mulch to excess potted plants; all basic features of our North County homes. Especially upsetting is that these fences help maintain property lines, increase home security, and keep pets and kids safe. Zone Zero turns them into liabilities by executive order.

Estimates indicate that complying with these new rules will cost homeowners thousands, with fence replacements alone exceeding $15,000. For large properties in Fallbrook, this estimate is no doubt on the low end. Statewide, this total could amount to billions of dollars of burden on working families, older adults and all of us who are simply trying to keep food on the table. The cost of living is already astronomical in California, and this is Sacramento adding yet another mandated bill for families. 

But here’s what’s even more frustrating: the North County fire board held the first hearing on adopting this fire code with zero pushback to Sacramento; no resistance and no advocacy for local control. No voice was raised for taxpayers who will ultimately shoulder the cost, even with people voicing their concerns to the fire board. Despite the wave of residents’ concern, there was no pushback to Sacramento.

Read More: https://www.sandiegouniontribune.com/2025/10/20/opinion-your-homes-wood-fence-and-gate-could-now-be-considered-illegal/

51182.

 (a) A person who owns, leases, controls, operates, or maintains an occupied dwelling or occupied structure in, upon, or adjoining a mountainous area, forest-covered land, shrub-covered land, grass-covered land, or land that is covered with flammable material, which area or land is within a very high fire hazard severity zone designated by the local agency pursuant to Section 51179, shall at all times do all of the following:

(1) (A) Maintain defensible space of 100 feet from each side and from the front and rear of the structure, but not beyond the property line except as provided in subparagraph (B). The amount of fuel modification necessary shall consider the flammability of the structure as affected by building material, building standards, location, and type of vegetation. Fuels shall be maintained and spaced in a condition so that a wildfire burning under average weather conditions would be unlikely to ignite the structure. This subparagraph does not apply to single specimens of trees or other vegetation that are well-pruned and maintained so as to effectively manage fuels and not form a means of rapidly transmitting fire from other nearby vegetation to a structure or from a structure to other nearby vegetation or to interrupt the advance of embers toward a structure. The intensity of fuels management may vary within the 100-foot perimeter of the structure, with more intense fuel reductions being used between 5 and 30 feet around the structure, and an ember-resistant zone being required within 5 feet of the structure, based on regulations promulgated by the State Board of Forestry and Fire Protection, in consultation with the Department of Forestry and Fire Protection, to consider the elimination of materials in the ember-resistant zone that would likely be ignited by embers. The promulgation of these regulations by the State Board of Forestry and Fire Protection is contingent upon an appropriation by the Legislature in the annual Budget Act or another statute for this purpose. Consistent with fuels management objectives, steps should be taken to minimize erosion, soil disturbance, and the spread of flammable nonnative grasses and weeds.

Bill #3074 https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB3074

How climate change will effect home values

Note: although this story is from Australia is is a good reminder to revisit your home  insurance policies.

Dr Karl Mallon, director of science and systems for Sydney-based consultants Climate Risk, said Australia’s quintessential problem is that “you can build a house which is insurable tomorrow, but is wholly unsuitable 30 years down the track”.

The message follows the release by the independent Climate Council of its latest report, Super-charged storms in Australia, which argues that the nation is highly vulnerable to “storm surges associated with tropical cyclones and extra-tropical cyclones, including [more intense] east coast lows.”

Dr Mallon said that many Australians do not realise that a change in a property’s value does not occur when an extreme weather event takes place, but “when the market realises the event will occur and revalues the house…it’s the homeowner which is the sitting duck in all this.”

He pointed to a “disconnect,” between banks, government planning and the insurance industry, which is leaving Australian homeowners vulnerable to “climate change foreclosure”.

“There are potentially millions and millions of dollars of revaluation that has to happen in the property sector and it’s not going to be pretty. We could end up with suburbs where there is a wholesale collapse in value,” he said, highlighting “erosion, actions of the sea, landslip and ground contraction,” as some of the main impacts which are still largely uninsurable.

“It’s the banks who probably need to lead the charge…to sit down with insurers and planners and say, ‘Will you start providing insurance on this?’.”

read more at: http://www.smh.com.au/business/consumer-affairs/sydney-homeowners-face-properties-being-reduced-in-value-because-of-climate-change-climate-risk-group-says-20161115-gsq5mu.html

disclaimer: for information and entertainment purposes only

San Diego – Better fire protection may lower insurance rates

organization that weighs fire risks has determined that San Diego’s backcountry is safer after years of investments, a declaration that may make it possible for property owners in the county’s rural stretches to buy fire insurance for the first time or to pay lower premiums on existing policies.

The improved rating from the Insurance Service Office came after the Board of Supervisors created the San Diego County Fire Authority in 2008 and spent hundreds of millions of dollars to improve fire protection in 1.5 million acres of the backcountry after major fires in 2003 and 2007.

The county put various fire agencies under one command, and added more career firefighters, staffing, equipment, training and communication systems. The investments cut response times by 30%, the county said.

The fire protection and the improved rating is a big deal for people who live in rural parts of the county, according to Supervisor Dianne Jacob.

“What this means is not only can they get fire insurance, it lowers the cost of fire insurance in much of this area,” she said.

The $350 million worth of improved rural fire protection is also important for people who live in more populated areas, she added.

read more at: http://www.latimes.com/local/lanow/la-me-san-diego-wildfire-risk-20160909-snap-story.html

disclaimer: for information and entertainment purposes only