Change in Fireline Score Judy Johnson asked 3 weeks ago
Change in Fireline Score

Our residential home in California had a FireLine score of 0 in September 2025. For our 2026 renewal, that score increased dramatically to 52.

Nothing has changed in our neighborhood, which was built in the late 1970s through the mid-1980s, and there have been no fires—wildfire or otherwise. There have also been no changes to our property, other than the removal of a eucalyptus tree in our front yard a couple of months ago.

My question is: Why would our FireLine score have changed so dramatically?

I intend to contact my insurance company to discuss this and would like to appeal the change if appropriate. I would appreciate any guidance or recommendations that United Policyholders can provide regarding this process.

Thank you for your assistance.

 

1 Answers
Ivan O'Neil Ivan O\'Neil Expert answered 2 weeks ago
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Hi Judy,

Many CA homeowners are asking themselves questions like this. The Verisk FireLine score approved by regulators has evolved in recent years, and based on the large jump, it’s likely that your insurer was approved by the CA Department of Insurance in the past year to use the Verisk FireLine v2 risk rating, which is typically applied at policy renewal.

The previous Verisk FireLine v1 score range was 0-30. I wasn’t able to look up what the new FireLine v2 score range is, but the score now includes property-level risk factors like defensible space and resilience measures like screening vents, siding, and other features.

In the same letter with the updated score, your insurer should have included a table that shows the premium discounts you could qualify for if you verify the risk mitigation measures. When you contact your insurer to discuss the score, consider asking how you can document the actions you’ve taken to protect your property, which could result in premium discounts.

UP has some great resources in the WRAP center, which you may also find useful, as well as the professional help directory.

Good luck, Ivan