PLCaliforniamedium
A California homeowner in a state-designated Very High Fire Hazard Severity Zone applies for a homeowners policy. Under 10 CCR § 2644.9, the insurer's disclosure obligations relating to defensible space and wildfire mitigation:
Require disclosure of wildfire-risk model components and mitigation discount availability, supporting a transparent defensible-space framework
BAre confined to mobile-home and manufactured-housing policies and therefore do not apply to standard HO dwelling forms in fire hazard zones
CPermit the carrier to silently apply a brush-exposure surcharge to the premium without ever notifying the applicant of the added charge or its basis
DOperate to pre-empt and supersede all PRC 4291 vegetation-management and 100-foot defensible-space requirements in state-responsibility areas
Why this is the answer
California's defensible-space disclosure regime, augmented by 10 CCR § 2644.9 (Safer From Wildfires), requires that an insurer using a wildfire risk model give the applicant a written disclosure that identifies the risk score, the components driving it, and the mitigation discounts available for home-hardening and defensible-space compliance. The disclosure does NOT preempt PRC 4291 (the statute requiring 100-foot defensible space around a structure in a state-responsibility area), nor is it limited to mobile homes — it applies broadly to residential property policies.
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