Insurance Mitigation
Requests
Defensible Space Snapshot
Your home’s wildfire compliance requirements.
No guessing. No waiting. No commitment.
You have an insurance problem.
- Your Problem
A notice from your insurance carrier arrived in the mail. Now you have a choice: take on an involuntary home project and deadline, or shop for coverage with a new carrier. You want to keep your home insurable without becoming a wildfire expert yourself.
- The To-Do List
ResearchIf your carrier gave you the chance to mitigate, figure out exactly what work satisfies the request. If not, figure out what needs to be done before you shop for a new carrier.
CoordinateCall your insurance broker to confirm next steps, deadlines and required documentation.
More ResearchInvestigate what happens if your home no longer qualifies for traditional insurance coverage.
CompileBuild a spreadsheet of vendors who may be able to complete all or some of the mitigation work you researched.
ShopCollect disparate quotes from gardeners, landscape contractors and handymen from your spreadsheet.
HireNegotiate the scope of work to match your insurance company’s requirements, coordinate a schedule that works with your busy life and the deadline, and make sure the vendor can provide reliable documentation for your insurance carrier.
- Common Solutions
Do nothingSkip the work and shop for a new policy, hoping the next carrier doesn’t ding you for the same issues.
Do-it-yourselfSpend several weekends with newly purchased specialty tools, a pile of Home Depot materials you aren’t sure are the right spec, and DIY YouTube videos streaming on your iPhone.
Become a Project ManagerHire a general contractor, landscaper or local handyman for each part of the project. You may need to spend several afternoons double checking their work and cleaning up after them, and a couple of evenings chasing proper documentation for your insurance carrier.
- Common Failures
Overlooked OpportunitiesNon-specialized contractors may not know mitigation best practices, so the completed scope may not be the most efficient way to satisfy your carrier.
Poor DocumentationNon-specialized contractors may not know mitigation regulations or insurance programs, so they may not provide reliable documentation of the work.
Opportunity CostHomeowners often undervalue their own time when taking on projects.
Your insurance notice. Done.
Bring us your insurance problem and your deadline. Mustard Construction assesses your home, tailors a scope of work and completes that work promptly. We can’t guarantee a carrier’s coverage decision, but we give you the documentation your broker and underwriter need to review the work and request the wildfire-mitigation discounts California requires admitted insurers to offer for qualifying work.
The Mustard Process
Assess
We start with your home, your insurance notice and California’s Safer from Wildfires standards. We thoroughly document the current condition of your home and assess it against those standards.
Scope
We turn the thorough assessment into a scope tailored to satisfying your insurance carrier’s request. Mustard Construction’s Wildfire Compliance Scope gives you a clear path forward so you know what work, timeline and guarantees you are approving.
Mitigate
We promptly carry out the approved scope to prepare your home before the deadline. We own the project from start to finish. One contract, one point of contact.
Document
We close the project with Mustard Construction’s Done Report, a thorough documentation of the completed mitigation work at your home. It gives insurance brokers and underwriters a reliable record to review.
What homeowners say
“My insurance company sent a notice requiring repairs to my eaves and roof. Mustard Construction made the process clear, completed the work, and gave me exactly what I needed to send back to my broker.”
Explore your options
You start the consultation with a compliance problem.
You finish the consultation with a clear path forward.
