Documentation & insurability
How documented CitroSafe systems, seasonal perimeter / defensible-space treatments, Class A roofs, CitroTech 34 lumber coatings, Peak 301, SolEmber, and Fire&Ice vents can support a conversation about keeping or saving a current policy — and still matter if you self-insure. No guaranteed discounts or coverage promises.
Partnership
CitroTech partnered with WOWS Insurance LLC for holistic wildfire risk and insurance solutions that combine fire hardening, proactive mitigation, and remotely activated systems — aimed at improving access to affordable coverage in high-risk zones (including the 3 million-plus California homes in that context, as described by CitroTech).
Who this helps
Many carriers in California and the West weigh mitigation evidence when they decide whether to keep or write coverage. Public reporting notes some carriers ask about long-term inhibitors and CitroSafe-type systems; CitroTech has said it is working toward underwriting recognition. That is evolving — not a guaranteed discount.
Bring a dated file to your broker: perimeter / vegetation / defensible-space treatments, CitroSafe coverage if installed, Peak 301 / SolEmber / Fire&Ice if applied, and product docs. The goal is a clearer underwriting conversation about staying on a current policy — not a promised rate cut.
If you carry the risk yourself, the same packet is a practical record of what you did at the perimeter and in defensible space. Risk reduction — not a guarantee against wildfire damage.
Bring evidence
Carriers and brokers assess evidence — whether you are keeping a current policy or self-insuring. Keep a dated file:
Home / fire-hardening
Reliable Wildfire Defense (operated by Reliable Roofing San Diego) is Peak 301 / O’Hagin / SolEmber certified and also offers Class A roofs and CitroTech 34 lumber coatings under the CitroTech Certified Partner line. These measures complement CitroSafe™ systems and seasonal perimeter / defensible-space spray. They do not replace those paths or guarantee a wildfire outcome or a FAIR Plan / insurance result.
Certified installer
Peak 301 is a soy-based asphalt shingle roof rejuvenation treatment (Colorbiotics).
Independent testing (Peak 301): one application reduced fire spread from 44 inches to 14 inches — a 68% improvement in fire protection for the roof.
The Peak 301 formula is based on 35% soy oil and contains no methyl esters (per Peak 301). Attributed to Peak 301 / independent testing — not a Reliable Wildfire Defense lab result.
peak301.com/why-its-better →Certified installer
SolEmber™ by SolaTrim® is a wildfire and wildlife barrier for rooftop solar arrays using FireStorm® EmberMesh.
Blocks embers, wildfire fuel, and debris from entry points under solar arrays (per Nixalite / SolaTrim).
Evaluated to ASTM E2886, ASTM E84, and ASTM E2768 (per Nixalite). Class A fire-rated (ASTM E84); CA Building Code Chapter 7A compliant; WUI / IWUI ready (per Nixalite). Meets CAL FIRE “Low-Cost Retrofit List” standards (per Nixalite). 304 stainless steel with a black powder coat; peel-and-stick 3M VHB™ for retrofit under solar (per Nixalite). Studies / industry context cited by SolaTrim: up to 90% of structures destroyed in wildfires ignite from embers, not direct flame.
nixalite.com/solatrim-solember →Certified installer
Wildfire-ready / fire-smart attic and roof vents (ember-resistant venting per O’Hagin).
O’Hagin notes a Malibu home built with Fire&Ice® vents survived the 2018 Woolsey fire.
O’Hagin does not guarantee or warrant that its products will prevent damage from wildfires and/or other natural disasters.
ohagin.com Fire&Ice vents →Roof covering
A Class A fire-rated roof covering is the highest common external-fire classification for roof assemblies. Reliable Roofing San Diego installs and re-roofs with Class A coverings to help protect the home by protecting the roof from external fire exposure.
Class A here is the roof covering’s fire classification — not a wildfire survival guarantee, not an automatic FAIR Plan discount, not CitroTech 34 lumber coating, and not a substitute for CitroSafe, seasonal perimeter spray, Peak 301, SolEmber, or Fire&Ice vents.
Free Roof Estimate →CitroTech Certified Partner
CitroTech 34 (MFB-34) is a clear-coat fire protection for lumber, plywood, and OSB — Class A performance while preserving strength and appearance (per CitroTech).
Certified under DrJ TER 2504-101 and tested to ASTM E84 and E2768 (per CitroTech). Clear / absorbs into wood; for exposed beams, eaves, and architectural siding. Limits flame spread and smoke development (per CitroTech). Can be mill-, yard-, or on-site applied.
Class A here is the wood treatment’s surface-burning classification — not a wildfire survival guarantee, not an automatic FAIR Plan discount, not a Class A roof covering, not seasonal perimeter / vegetation spray, and not a CitroSafe hardware system.
citrotech.com/lumber-coatings →California nuance
The FAIR Plan offers stacked wildfire-hardening discounts for qualifying structure, surroundings, and community measures (for example Class A roof, vents, Zone 0) — typically applied to the wildfire portion of premium.
Qualifying physical measures defined by the FAIR Plan / Safer from Wildfires framework. Confirm current eligibility with your broker.
CitroSafe or seasonal spray does not automatically equal a FAIR Plan discount line item unless your carrier confirms. Frame spray, CitroSafe, and Peak 301 Roof Rejuvenation as supporting documentation and risk reduction alongside those hardening measures — not as Class A roof equivalence.
Industry direction
Public reporting indicates some carriers ask about long-term inhibitors and CitroSafe-type systems. CitroTech has said it is working toward underwriting recognition and has discussed discount pricing with insurers.
We’ll document treatments and system details you can share with your broker.
