IBHS introduces certification program to bridge gap between homeowners and insurance providers

Homeowners in Coconino County are facing a growing disconnect with insurance companies regarding wildfire preparedness, as highlighted in a recent government meeting. The discussion centered on the urgent need for better communication and understanding between homeowners, fire departments, and insurers.

Participants noted that despite homeowners taking proactive steps to meet insurance requirements, such as implementing safety measures recommended by fire departments, many insurance companies are still rejecting these efforts. This gap in understanding raises concerns about how homeowners can effectively protect their properties and secure insurance coverage.

To address this issue, officials pointed to the IBHS Wildfire Prepared Home certification program as a promising solution. This program provides a standardized checklist that is recognized by both homeowners and insurance providers, ensuring that the measures taken are acknowledged and accepted. California's "Safer from Wildfires" initiative was also mentioned as a similar model that could be adapted.

Moreover, the meeting emphasized the importance of data transparency. Efforts are underway to create a "wildland urban interface data commons," which aims to serve as a centralized resource for homeowners, officials, and insurers. This initiative seeks to make critical information about wildfire risks and preparedness widely accessible, helping to bridge the knowledge gap.

Finally, the need for ongoing dialogue between homeowners and insurance providers was stressed. Establishing open lines of communication is essential for navigating the complexities of wildfire risk and insurance coverage, especially as these risks continue to escalate.

As Coconino County grapples with the wildfire crisis, these discussions underscore the importance of collaboration and transparency in ensuring that homeowners can adequately protect their properties and secure necessary insurance coverage.