You received a request or concern
An agent, broker, insurer, HOA, buyer, or advisor wants clearer information about vegetation, trees, clearances, or mitigation.
Independent FAIR Plan Property Documentation
Create a current field record before the next insurance decision.
We Inspect. We Diagnose. We Document.
ArborSolutions documents visible tree, vegetation, defensible-space, clearance, access, and completed mitigation conditions so the property file is easier for owners, agents, brokers, and other decision-makers to understand.
The result:
a dated, photo-supported record of what is visible now, what has been completed,
what still needs attention, and the practical options available.
ISA Certified Arborist #WE-9985A
TRAQ Qualified
QWEL Landscape Water Auditor
Santa Barbara & San Luis Obispo Counties
ArborSolutions does not guarantee insurance acceptance, renewal, discounts, premium reductions,
risk-score changes, removal from the FAIR Plan, or private-market placement. Underwriting decisions
remain with the insurer or applicable program.
Document current conditions
Organize mitigation evidence for available discounts
Clarify the next property decision
What is FAIR Plan property documentation?
It is an independent, on-site record of observable tree, vegetation, defensible-space-related, access, clearance, and completed mitigation conditions. The report is prepared for the property file and may be shared during conversations with an insurance agent, broker, insurer, HOA, contractor, real estate professional, or other advisor.
Current FAIR Plan Context
More properties are entering the FAIR Plan conversation.
The statistics are not the service. They explain why current, organized property records have become more important to owners and the professionals helping them.
$768B
Total FAIR Plan exposure
June 2026
June 2026
696,562
Policies in force
June 2026
June 2026
250%
Exposure growth
since September 2022
since September 2022
Official data are updated quarterly by the California FAIR Plan. Figures shown here reflect the latest available information through June 2026.
When This Service Helps
A verbal explanation is difficult to review later.
A current field record helps when several people are trying to understand the same property, work history, or insurance-related request.
Work has already been completed
Brush clearance, pruning, vegetation removal, or other visible mitigation needs to be organized into a current photo-supported record.
Aerial information looks incomplete
Older imagery, automated mapping, or desktop property data may not show current ground conditions or recent work.
The property has mature trees
Tree condition, canopy continuity, clearance, deadwood, branch structure, and management options need professional context.
Contractor recommendations differ
The property owner needs a separate review before approving additional vegetation or tree work.
A deadline is approaching
The file needs a clear present-condition baseline before a renewal, inspection, transaction, meeting, or follow-up conversation.
The Documentation Gap
Existing records can be useful without telling the full story.
The purpose is not to replace contractor invoices, owner photographs, checklists, or agent notes. It is to organize the visible property conditions around them.
The file may already contain
Useful information that is difficult to interpret without current field context.
- Owner photographs
- Contractor invoices or work orders
- Insurance correspondence
- Desktop maps or aerial imagery
- Mitigation checklists
- Older inspections or estimates
ArborSolutions adds
A separate, credentialed record focused on what can be observed at the property now.
- Dated on-site observations
- Organized photographs and captions
- Tree and vegetation context
- Defensible-space-area observations
- Completed mitigation documentation
- Priority items, options, and limitations
What We Inspect & Document
The property is reviewed from the structure outward.
Observations are organized around the familiar 0–5, 5–30, and 30–100-foot defensible-space areas used in state guidance, along with trees, access, slopes, and other site conditions relevant to the assignment.
Immediate Surroundings
Visible vegetation, combustible mulch, accumulated debris, plant contact, fencing interfaces, and conditions immediately adjacent to structures and decks.
Near-Structure Vegetation
Tree and shrub spacing, ladder-fuel relationships, dead material, canopy clearance, vegetation density, and maintained separation.
Extended Property Area
Vegetation continuity, slope exposure, grasses, shrubs, lower branches, debris, access limitations, and visible fuel relationships.
Tree Condition & Canopy
Species, visible health and structure, deadwood, canopy continuity, clearance relationships, and tree-specific concerns within the review area.
Driveways & Site Entry
Visible vegetation or branch conditions affecting driveway clearance, access routes, gates, address visibility, and practical site entry.
Mitigation Record
Observable pruning, brush reduction, debris removal, vegetation separation, or other completed work as it appears on the inspection date.
ArborSolutions documents visible conditions within the agreed assignment. We do not certify building construction,
structural home hardening, code compliance, insurer-specific eligibility, or concealed conditions.
The Service
One clear standard offer. Expanded only when the property requires it.
Most residential assignments begin with the standard documentation review. Larger, multi-structure, HOA, commercial, or unusually complex properties are scoped separately.
FAIR Plan Property Documentation Review
$750An on-site review and written property record prepared by an ISA Certified Arborist and TRAQ-qualified consultant.
- Review of owner, agent, or broker concerns provided before the visit
- On-site visual review of accessible property areas within the agreed scope
- 0–5, 5–30, and 30–100-foot area observations
- Tree, vegetation, clearance, continuity, access, and mitigation observations
- Organized site photographs with captions
- Priority findings, practical options, and stated limitations
- Written PDF documentation for the property file and available wildfire-mitigation discount conversations
Expanded or Follow-Up Documentation
A custom scope may be appropriate when the property or requested record extends beyond a standard residential review.
- Large or multi-structure properties
- HOA common areas or multiple parcels
- Commercial or complex access conditions
- Tree-specific risk assessment beyond the standard property review
- Follow-up documentation after mitigation work
- Agent, broker, HOA, or real estate coordination
Pricing: quoted after scope review.
Potential Wildfire-Mitigation Discounts
Completed mitigation may reduce the wildfire portion of a premium. Documentation helps show what was done.
The discount comes from qualifying mitigation—not from purchasing an ArborSolutions report. A current report may help organize visible evidence for an owner, agent, broker, or insurer when available discounts, credits, or an updated wildfire-risk classification are being reviewed.
FAIR Plan Dwelling Fire discount potential
The California FAIR Plan states that Dwelling Fire policyholders who obtain all 12 available wildfire-hardening discounts may see a discount of up to 16.4% off the wildfire portion of the policy premium. The published program is applicable as of November 15, 2025 and is subject to change.
How ArborSolutions can help
Several FAIR Plan and Safer from Wildfires factors involve visible vegetation and defensible-space conditions. Within the agreed scope, ArborSolutions can:
- Document visible vegetation and debris clearance under decks and near structures
- Photograph and describe the immediate 0–5-foot surroundings
- Document visible tree trimming, brush reduction, debris removal, and vegetation separation
- Organize dated photographs of completed mitigation
- Identify items that fall outside arboricultural scope and need another qualified professional
- Prepare a written record for discussion with the policyholder’s licensed broker or insurer
Important: ArborSolutions does not determine eligibility, discount percentages,
verification standards, or premium savings. Ask the broker or insurer what proof it will accept
before commissioning a report. If an insurer requires an inspection to verify mitigation,
California regulations require it to offer a free inspection option and to accept inspections
from CAL FIRE or a local fire department; an ArborSolutions report should be treated as
supplemental documentation unless the insurer confirms otherwise.
What You Receive
A field record designed to make the property easier to understand.
Assignment Summary
The property concern, requested scope, intended use, records reviewed, and inspection date.
Present-Condition Observations
What was visible in the accessible review areas at the time of the site visit.
Photo Documentation
Selected images with captions showing relevant relationships, completed work, and remaining concerns.
Tree & Vegetation Findings
Professional context for tree condition, canopy, deadwood, spacing, continuity, ladder fuels, and clearances.
Priority Next Steps
Practical options organized by significance, timing, or need for additional review.
Scope Limitations
Conditions not visible, not accessible, outside the assignment, or dependent on another professional discipline.
How It Works
Start with the actual request—not a generic checklist.
The assignment is organized around what the owner, agent, broker, HOA, or advisor is trying to understand.
1
Send the Concern
Share the property city, insurance or property-file question, deadline, and any notice, checklist, photographs, or correspondence.
2
Confirm the Scope
We determine whether the standard review fits or whether the property requires a broader or tree-specific assignment.
3
Inspect the Property
Accessible tree, vegetation, clearance, access, defensible-space-related, and completed mitigation conditions are reviewed and photographed.
4
Deliver the Record
The written report organizes findings, photographs, practical options, and limitations for the property file.
Who This Serves
Documentation for the people helping make the next property decision.
FAIR Plan Policyholders
A current record of visible property conditions, mitigation, and next steps before an insurance conversation.
Homeowners Facing Non-Renewal
Independent property documentation that can be retained and shared while insurance options are being explored.
Insurance Agents & Brokers
A clearer tree and vegetation record when helping a client organize an application, renewal, or follow-up file.
HOAs & Property Managers
Common-area or parcel-level documentation for insurance, board, maintenance, and contractor discussions.
Real Estate Professionals
Present-condition documentation where insurance questions may affect timing, buyer confidence, or property decisions.
Tree & Landscape Contractors
A separate written record that can clarify property priorities and the purpose of recommended work.
Land Managers
Organized observations for larger properties, access routes, vegetation areas, and ongoing mitigation planning.
Property Advisors
Credentialed field information that can be reviewed alongside insurance, legal, real estate, or contractor advice.
Common Questions
What property owners ask first.
Does the report guarantee insurance coverage or renewal?
No. ArborSolutions documents observable property conditions. Coverage, renewal, discounts, premiums, risk scores, and underwriting outcomes are determined by insurers and applicable program rules.
What is included in the $750 standard review?
An on-site visual review, organized photographs, tree and vegetation observations, defensible-space-related area observations, completed mitigation notes, priority findings, practical options, limitations, and a written PDF report.
Can you document work that has already been completed?
Yes. Observable completed work can be photographed and described as it appears on the inspection date. We do not certify concealed work or contractor performance beyond what is visible and within scope.
Can my agent or broker send the documentation request?
Yes. Notices, checklists, emails, photographs, risk-score information, or questions can help us scope the assignment around the actual property-file need.
Is this a government defensible-space inspection?
No. ArborSolutions provides an independent consulting-arborist property review. It does not replace a CAL FIRE, local fire authority, insurer, code-enforcement, or other official inspection.
Does ArborSolutions perform the recommended work?
No. Consultations only. ArborSolutions does not perform pruning, removal, brush clearance, landscape installation, or home-hardening work.
How does this relate to Safer from Wildfires?
Safer from Wildfires identifies property- and community-level mitigation actions recognized in California insurance regulations. ArborSolutions can document relevant visible tree, vegetation, and defensible-space conditions, but does not determine eligibility or discount amounts.
Can this report help me request a wildfire-mitigation discount?
It may help organize visible evidence of completed tree, vegetation, debris-clearance, and defensible-space-related work. The mitigation action—not the report itself—creates possible eligibility. The insurer or FAIR Plan determines accepted proof, the applicable discount, and any premium change.
How much could a FAIR Plan discount reduce my premium?
The FAIR Plan states that Dwelling Fire policyholders who obtain all 12 available discounts may see up to 16.4% off the wildfire portion of the policy premium. Actual savings depend on the policy and qualifying factors, and the program is subject to change.
What areas do you serve?
Santa Barbara County and San Luis Obispo County, including communities from Carpinteria and Montecito through Santa Maria, the Santa Ynez Valley, Five Cities, San Luis Obispo, and Paso Robles.
Official References
Public sources behind the current insurance and defensible-space context.
California FAIR Plan Key Statistics
Official quarterly exposure, policy-count, premium, and new-business data.
View official source →Safer from Wildfires
California Department of Insurance framework for property and community wildfire mitigation actions.
View official source →CAL FIRE Defensible Space
State guidance for the immediate, near-structure, and extended defensible-space areas.
View official source →FAIR Plan Wildfire Hardening Discounts
Official FAIR Plan summary of dwelling, commercial, immediate-surroundings, structure, completion, and community discounts.
View official source →
Describe Your Situation
Tell us what the property file needs to explain.
Include the property city, the insurance or property concern, any deadline, and what has already been requested or completed. We will identify whether the standard review or another ArborSolutions pathway fits the situation.
If a formal report is not needed, we will say so.