The property has changed.
Pruning, removals, cleanup, spacing, irrigation changes, or other mitigation may have occurred since older photographs or property records were created.
FAIR Plan Property Documentation
Create a current property record before the next insurance decision.
If your property is on the California FAIR Plan, being reviewed for wildfire-related conditions, or has recently had mitigation work completed, the next conversation is easier when the file reflects what is actually on the ground today.
ArborSolutions provides an independent, field-verified record of visible tree, vegetation, defensible-space context, and completed mitigation conditions for property owners, brokers, and other decision-makers.
Documentation can clarify current conditions. It does not guarantee a discount, renewal, voluntary-market policy, or any other insurance outcome.
ISA Certified Arborist #WE-9985A
TRAQ Qualified
QWEL Landscape Water Auditor
Consulting only — no tree work sold
What is FAIR Plan property documentation?
It is a dated, organized record of visible property conditions that may matter during an insurance conversation. For ArborSolutions, that means field observations, photographs, visible tree and vegetation conditions, defensible-space context, and observable completed mitigation — documented by an independent consulting arborist.
Important boundary: ArborSolutions is not the California FAIR Plan, an insurer, an insurance adjuster, a licensed broker, or a fire authority. We do not determine coverage, premiums, discount eligibility, underwriting, or code compliance.
696,562
total dwelling and commercial policies in force as of June 2026
$768B
reported FAIR Plan total exposure as of June 2026
Why this matters: more properties are entering insurance and mitigation conversations. A current field record cannot control underwriting, but it can replace assumptions and outdated property information with dated observations and photographs.
When It Helps
Start with the property conditions you can actually document.
The useful question is not “Can a report get me off the FAIR Plan?” The useful question is “What does the property look like today, what work has been completed, and what facts should be in the file before the next decision?”
The file is incomplete or unclear.
A broker, HOA, property manager, or owner may need an organized record of what is visible now rather than a collection of uncaptioned photos and verbal explanations.
A decision is coming.
Before additional vegetation work, a renewal conversation, a discount request, or another property decision, it helps to establish a defensible baseline.
Field Review
The property is reviewed from the structure outward.
The assignment stays within ArborSolutions' professional scope: visible trees, woody vegetation, plant condition, clearance relationships, completed work, and the observable landscape conditions that help explain the property.
Vegetation and branch relationships
Visible branches, shrubs, woody vegetation, dead material, plant contact, and clearance relationships near homes, decks, roofs, fences, and accessory structures.
Health, structure and maintenance
Visible vigor, decline, deadwood, defects, damage, pruning history, canopy relationships, and other tree conditions relevant to property management.
Defensible-space observations
Observable vegetation conditions can be described in relation to common defensible-space concepts and distances without representing the review as an official compliance inspection.
What appears to have been completed
Observable pruning, removals, vegetation reduction, dead-material cleanup, spacing, and other completed work can be photographed and described as it exists on the inspection date.
What the standard review includes
The purpose is not to create more paperwork. It is to create one clear property record that another person can understand without having been present at the inspection.
- Purpose and assignment summary
- Dated on-site observations
- Organized, captioned photographs
- Visible tree and vegetation findings
- Defensible-space context within the agreed scope
- Completed-mitigation observations where visible
- Items needing additional work, clarification, or specialist referral
- Limitations and conditions that could not be verified
Expanded assignments: large parcels, multiple structures, extensive tree populations, return visits, or additional written deliverables are scoped and quoted before the extra work is performed.
Wildfire-Hardening Discounts
Mitigation may qualify for discounts. Documentation helps show what was done.
The FAIR Plan currently offers wildfire-hardening discounts to qualifying Dwelling Fire and Commercial policyholders. The FAIR Plan — not ArborSolutions — determines whether a property qualifies and how any discount is applied.
Up to 16.4%
off the wildfire portion
The FAIR Plan states that Dwelling Fire policyholders obtaining all 12 available discounts may see up to 16.4% off the wildfire portion of the policy premium.
Where documentation fits
California Department of Insurance guidance says a policyholder may need to provide proof that a mitigation action was completed, or an inspection may be required. A current ArborSolutions report can help organize observable tree, vegetation, clearance, and completed-work evidence for the property file.
It is supporting documentation — not a discount certificate. Your broker, insurer, or the FAIR Plan should tell you what evidence they require and whether the property qualifies.
FAIR Plan discount terms are subject to change. The 16.4% figure is from the FAIR Plan wildfire-hardening discount publication revised November 2025 and applies to the wildfire portion of the Dwelling Fire premium, not necessarily the total policy premium.
The Deliverable
A field record designed to make the property easier to understand.
Good documentation should make it possible for a broker, owner, HOA, property manager, or other reviewer to see what was observed, when it was observed, and what remains uncertain.
Property & Assignment
Property, inspection date, requested purpose, review area, and records considered.
Photo Documentation
Selected, organized images tied to specific observations rather than an unstructured photo dump.
Tree & Vegetation Findings
Visible conditions, maintenance concerns, clearances, dead material, and relevant plant relationships.
Mitigation Record
Observable completed work documented as it appears on the inspection date.
Open Items
Conditions needing additional work, monitoring, clarification, contractor input, or another specialist.
Professional Limits
Clear distinction between observed facts, arboricultural opinions, unavailable information, and insurance decisions outside our role.
Stuck on the California FAIR Plan?
Make the current property record one less unknown.
Geography, carrier underwriting rules, catastrophe models, market conditions, and other factors may control insurance availability. A report cannot override them. What it can do is establish a dated, independent baseline of current visible conditions and completed work.
1
Describe the insurance concern
Tell us what has been requested, what work has already been completed, and what decision or deadline is coming.
2
Define the documentation scope
We identify the property areas, trees, vegetation, records, and photographs relevant to the assignment.
3
Inspect and photograph
Visible conditions are reviewed and documented on site within the agreed professional scope.
4
Deliver the property record
You receive an organized written summary that can be retained and shared with the appropriate decision-maker.
Questions Property Owners Ask
What this documentation can — and cannot — do.
Does this report guarantee insurance coverage, renewal, or removal from the FAIR Plan?
No. ArborSolutions does not approve coverage, determine underwriting, or guarantee insurance outcomes. The report documents current visible property conditions so the appropriate insurance professional has a clearer factual record to review.
Can the report help with a wildfire-mitigation discount request?
It may provide useful supporting evidence of observable completed work and current vegetation conditions. Discount eligibility and required proof are determined by the FAIR Plan, insurer, or broker. Ask them what documentation they require.
What is included in the $750 standard review?
A typical standard review includes one on-site property review, organized photo documentation, visible tree and vegetation observations, defensible-space context, observable completed-mitigation conditions, and a written property documentation summary.
Can my insurance agent or broker send the documentation request?
Yes. A property owner, broker, agent, HOA, property manager, or other advisor can help define what information needs to be documented. ArborSolutions still keeps its role limited to independent site inspection and documentation.
Does ArborSolutions certify defensible-space compliance?
No. We can document visible vegetation conditions and defensible-space context within the assignment, but we do not replace an official agency inspection or certify fire-code or insurer compliance.
Should I document conditions before removing trees or vegetation?
Often, yes. Before-and-after photographs and dated observations can establish what existed before work was performed and what changed afterward. Whether a specific removal is appropriate still depends on the tree, site, regulations, and purpose of the work.
Public References
Official sources behind the insurance and wildfire context.
Insurance programs and wildfire guidance change. These are useful starting points for current public information.
California FAIR Plan — Key Statistics & DataCurrent FAIR Plan policy counts, exposure, and quarterly program data.
California FAIR Plan — Wildfire Hardening DiscountsCurrent published discount categories and Dwelling Fire / Commercial discount information.
California Department of Insurance — Safer from WildfiresState wildfire-resilience framework and insurance-discount context.
CAL FIRE — Defensible SpaceState public guidance about defensible space and wildfire preparation.
Request Information
Tell us what the property file needs to explain.
If you have a FAIR Plan notice, broker request, photographs, a list of completed mitigation work, or an upcoming renewal date, mention it. We can help determine whether a standard property documentation review fits the need.