Grants directory
Statewide wildfire risk model appeal / mitigation discount review for homeowners insurance
Washington State Legislature / property insurers · State program
Could affect mitigation discounts or premium adjustment; no fixed dollar amount stated.
Washington’s wildfire insurance rules let a residential policyholder appeal an inaccurate wildfire risk model score or mitigation discount if they can show mitigation actions. This is not direct cash, but it can affect a homeowner’s premium or underwriting outcome.
Program details
How it works
The bill text says that if an insurer uses a wildfire risk model, catastrophe model, or wildfire risk score, the policyholder may appeal an inaccurate wildfire risk model score, wildfire risk classification, or applicable mitigation discount directly to the insurer.
The appeal is tied to evidence of property-specific or community-level mitigation action.
What the money covers
This is not a grant or rebate program. It is a consumer protection mechanism that can influence a homeowner’s discount or premium adjustment when wildfire mitigation has been done but the insurer’s score does not reflect it.
Timing and deadlines
The bill text says the appeal may be made once per policy period. The public bill text does not specify a separate homeowner application portal or deadline beyond that.
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