Here is a summary of the new plan details:
California FAIR Plan policyholders can now receive up to 16.4% off the wildfire portion of their premiums through 12 new Wildfire Hardening Discounts for policies effective November 15, 2025, or later. These discounts reward mitigation efforts like Class-A roofs, ember-resistant vents, and defensible space.
Key Details on New FAIR Plan & Discounts
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New Discounts (Effective 11/15/2025): The program includes up to 12 different discounts focusing on structure protection and immediate surroundings.
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Key Mitigation Actions: Discounts apply for having a Class-A fire-rated roof, enclosed eaves, ember-resistant vents, multi-paned windows, and 6 inches of non-combustible material at the base of exterior walls.
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Community Level: Additional discounts are available for homes located in recognized “Firewise” communities.
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Expanded Access: The FAIR Plan has expanded eligibility for HOAs, builders, farmers, and businesses.
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Recent Reforms (2026): Proposed “Make It FAIR Act” aims to increase accountability, shorten claim payout times, and strengthen financial safeguards following 2025 wildfire claims