A very high fire hazard severity zone (VHFHSZ) property

[infoseeker]

We are in escrow for a property whose natural harzard disclosure (NHD) mentioned that the property is in VHFHSZ. I saw the san diego map from calfire (http://frap.cdf.ca.gov/webdata/maps/san_diego/fhszl_map.37.jpg) and looks like the whole of scripps ranch and sabre springs among other areas are marked as VHFHSZ. However another property we were looking at in Carmel Mountain Ranch was not in VHFHSZ. 3 questions

1. Do most another homes in scripps ranch and sabre springs also come up as VHFHSZ in NHD?

2. What is typical excess percentage for home owners insurance premium are we looking at when compared to a property that is not in VHFHSZ (BTW the home is not backing an open space or canyon)?

3. Is VHFHSZ a big deal? Isn’t it a part of living in San Diego?

[UCGal]

It can make it harder to find insurance companies willing to insure. We are VHFHSZ adjacent since the canyon that the house across the street backs to is red on the map. We were initially denied insurance by AAA – until I argued that we were buying from a AAA policy holder (my father) and it was basically a continuation of coverage by the company. A virtual grandfathering.

It can definitely effect the permitting process for any additions or any other permited work. When we built our companion unit we had to go through full fire marshal review of our plans. I consider this a POSITIVE since the end product was much more fire hardened. The only thing the fire marshal changed was the way the roof vents were done and specifying the size of screens for the vents. Our 45 year old house would never pass the same review… so we’ve been incorporating what we’ve learned from the fire marshal review to reduce our fire risk. (Changing out soffets, etc to prevent airborne burning embers from getting in. Reducing exterior flammable materials.)

[UCGal]

It can make it harder to find insurance companies willing to insure. We are VHFHSZ adjacent since the canyon that the house across the street backs to is red on the map. We were initially denied insurance by AAA – until I argued that we were buying from a AAA policy holder (my father) and it was basically a continuation of coverage by the company. A virtual grandfathering.

It can definitely effect the permitting process for any additions or any other permited work. When we built our companion unit we had to go through full fire marshal review of our plans. I consider this a POSITIVE since the end product was much more fire hardened. The only thing the fire marshal changed was the way the roof vents were done and specifying the size of screens for the vents. Our 45 year old house would never pass the same review… so we’ve been incorporating what we’ve learned from the fire marshal review to reduce our fire risk. (Changing out soffets, etc to prevent airborne burning embers from getting in. Reducing exterior flammable materials.)

[UCGal]

It can make it harder to find insurance companies willing to insure. We are VHFHSZ adjacent since the canyon that the house across the street backs to is red on the map. We were initially denied insurance by AAA – until I argued that we were buying from a AAA policy holder (my father) and it was basically a continuation of coverage by the company. A virtual grandfathering.

It can definitely effect the permitting process for any additions or any other permited work. When we built our companion unit we had to go through full fire marshal review of our plans. I consider this a POSITIVE since the end product was much more fire hardened. The only thing the fire marshal changed was the way the roof vents were done and specifying the size of screens for the vents. Our 45 year old house would never pass the same review… so we’ve been incorporating what we’ve learned from the fire marshal review to reduce our fire risk. (Changing out soffets, etc to prevent airborne burning embers from getting in. Reducing exterior flammable materials.)

[UCGal]

It can make it harder to find insurance companies willing to insure. We are VHFHSZ adjacent since the canyon that the house across the street backs to is red on the map. We were initially denied insurance by AAA – until I argued that we were buying from a AAA policy holder (my father) and it was basically a continuation of coverage by the company. A virtual grandfathering.

It can definitely effect the permitting process for any additions or any other permited work. When we built our companion unit we had to go through full fire marshal review of our plans. I consider this a POSITIVE since the end product was much more fire hardened. The only thing the fire marshal changed was the way the roof vents were done and specifying the size of screens for the vents. Our 45 year old house would never pass the same review… so we’ve been incorporating what we’ve learned from the fire marshal review to reduce our fire risk. (Changing out soffets, etc to prevent airborne burning embers from getting in. Reducing exterior flammable materials.)

[UCGal]

It can make it harder to find insurance companies willing to insure. We are VHFHSZ adjacent since the canyon that the house across the street backs to is red on the map. We were initially denied insurance by AAA – until I argued that we were buying from a AAA policy holder (my father) and it was basically a continuation of coverage by the company. A virtual grandfathering.

It can definitely effect the permitting process for any additions or any other permited work. When we built our companion unit we had to go through full fire marshal review of our plans. I consider this a POSITIVE since the end product was much more fire hardened. The only thing the fire marshal changed was the way the roof vents were done and specifying the size of screens for the vents. Our 45 year old house would never pass the same review… so we’ve been incorporating what we’ve learned from the fire marshal review to reduce our fire risk. (Changing out soffets, etc to prevent airborne burning embers from getting in. Reducing exterior flammable materials.)

[KSMountain]

Very nice UCGal. Way to make lemonade from lemons (beauracracy).

Also so nice to see someone being proactive in helping themselves rather than retroactively litigious…

[KSMountain]

Very nice UCGal. Way to make lemonade from lemons (beauracracy).

Also so nice to see someone being proactive in helping themselves rather than retroactively litigious…

[KSMountain]

Very nice UCGal. Way to make lemonade from lemons (beauracracy).

Also so nice to see someone being proactive in helping themselves rather than retroactively litigious…

[KSMountain]

Very nice UCGal. Way to make lemonade from lemons (beauracracy).

Also so nice to see someone being proactive in helping themselves rather than retroactively litigious…

[KSMountain]

Very nice UCGal. Way to make lemonade from lemons (beauracracy).

Also so nice to see someone being proactive in helping themselves rather than retroactively litigious…

[Aecetia]

I question the absolute accuracy of the maps since they have included a golf course in the red zone, as well as a cemetery. I doubt either will burn even in a fire storm, but I guess anything is possible.

[Aecetia]

I question the absolute accuracy of the maps since they have included a golf course in the red zone, as well as a cemetery. I doubt either will burn even in a fire storm, but I guess anything is possible.

[Aecetia]

I question the absolute accuracy of the maps since they have included a golf course in the red zone, as well as a cemetery. I doubt either will burn even in a fire storm, but I guess anything is possible.

[Aecetia]

I question the absolute accuracy of the maps since they have included a golf course in the red zone, as well as a cemetery. I doubt either will burn even in a fire storm, but I guess anything is possible.

[Author]

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