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Plan & Protect
Reduce risks and enjoy peace of mind with these tips and insights to protect what matters most.

A home can face many threats during a wind-driven wildfire, including ignition caused by wind-borne embers entering through vent openings. The Insurance Institute for Business and Home Safety states that wind-blown embers are the principal cause of building ignitions.
As more homes are being built in the wildland-urban interface, an area where developed land meets undeveloped vegetation, it’s important for homeowners in these areas to understand the risks associated with wind-driven wildfire. The wildland area provides additional fuel for wildfires, which can further increase a home’s risk of ignition from wind-blown embers.
Vent openings provide a space for wind-blown embers to enter and potentially start a fire inside of the home. A typical single-family home can have vents incorporated into the house’s roof, attic and foundation system.

For existing homes, replacing or retrofitting current vents with ember-resistant ones is a practical and cost-effective way to harden against ember intrusion. This simple step can make a big difference in terms of a home’s survivability.
One emerging technique is a ventless attic design that eliminates ventilation openings in the home’s roof assembly. This technique, which can be used in new construction or in the renovation of an existing home, involves designing a roof assembly without vent openings and combining it with a conditioned attic space. With an unvented roof assembly configuration, the roof deck is sealed on all sides and prevents embers, ash and smoke from entering the home through the attic. To determine if your home has a conditioned, ventless attic:
In addition to hardening the home against ember and smoke intrusion, there are additional benefits to conditioned, ventless attics. These include:1
While ventless attics and ember-resistant vents are both good ways to prevent ember intrusion, they are only part of a complete home-hardening strategy. We recommend a layered approach to home hardening. This includes:
1Insurance Institute for Business and Home Safety
This loss control information is advisory only. The author assumes no responsibility for management or control of loss control activities. Not all exposures are identified in this article. Contact your local, independent insurance agent for coverage advice and policy service.