THE RISK TO RESILIENCE PLAN IS BACK
More than a plan. A precision property intelligence system.
30 complimentary plans available across Napa, Sonoma, Marin, and Lake Counties. Deadline: April 30, 2026. Limited to one per property.
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What Is the R2R Plan | The Insurance Opportunity | The Three Pillars | How to Reduce Your Cost | Our Expert Network | The Process | Our Credentials
What Is the R2R PlanWhat Is a Risk to Resilience Plan?
Most property owners in Northern California know they have a wildfire problem on their land. What they do not have is a confident answer to the question: what exactly do I have, where is the real risk, what do I preserve, and where do I start?
That is the gap the Risk to Resilience Plan was built to close.
An R2R Plan is not a generic fire safety checklist. It is a precision property intelligence system built by three categories of expertise no single practitioner in this market combines: an ISA Certified Arborist, a Registered Professional Forester, and a wildfire behavior specialist. Together they produce a grid-by-grid, acre-by-acre analysis of your entire property with three simultaneous lenses: individual tree risk and health, forest ecosystem condition, and wildfire behavior potential.
What you receive is a map-driven assessment of every acre broken into prioritized treatment zones, a forest health report, Level 1 tree risk evaluations for trees within striking distance of your roads, structures, utility lines, and fencing, proposed scopes of work with phased options and pricing, and a recommended maintenance program. Because this is not a one-time cleanup. The properties that stay protected, stay compliant, and stay insurable are the ones with a long-term stewardship plan in place.
The frustrated property owner this plan was built for has already tried the incomplete solutions. The RPF who wrote a report but could not execute it. The local tree crew that cleared what was easy and missed what mattered. The fire marshal who pointed at things without a holistic plan. If you have ever walked away from one of those conversations feeling like you still did not have a real answer, you are exactly who we built this for.
WHAT MOST PROPERTY OWNERS DO NOT KNOW
Your Fuel Reduction Work May Directly Affect Your Insurance
California carriers are now legally required by state law to offer premium discounts for documented wildfire mitigation work. The discounts range from a few percent to as much as 50 percent depending on your carrier and the scope of your completed work. The California FAIR Plan now offers up to 16.4 percent off for properties that qualify with documented defensible space. AAA offers up to 15 percent. Mercury Insurance is introducing new mitigation discount tiers effective July 2026.
More importantly, insurance brokers are actively writing new policies on high-risk properties that have a completed professional fuel reduction plan on file. Properties that previously could not get coverage. Properties that had policies dropped. A professionally executed Risk to Resilience Plan tied to an ongoing maintenance program changes that conversation in a way a verbal explanation never will.
The key word is documented. Not cleared. Documented. Your carrier needs a professional plan, a completed scope of work, and a maintenance program on record. That is exactly what an R2R Plan produces.
We review your insurance situation as part of every complimentary assessment. We identify which of your mitigation efforts may support premium reduction, expanded coverage, or reinstatement where applicable. Eligibility varies and no specific outcomes are guaranteed. But having this documentation in hand before your next renewal is not optional if you are serious about protecting your property and your coverage.