Energy & Insurance Incentives

At Coldwater Cool Roofing, we don’t just protect your home—we help you future-proof it.  California offers powerful incentives for both solar installations and wildfire home hardening upgrades. We help you qualify for both.

Wildfire Insurance Discounts – CA FAIR Plan

At Coldwater Cool Roofing, we build every roof and retrofit using Class-A fire rated materials, as well as offer a structural protection analysis to help you qualify for the maximum available insurance savings.


CA Fair Plan Policyholders may qualify for discounts applied to the wildfire portion of the policy premium, based on Structure Discounts and Immediate Surroundings Discounts. Homeowners eligible for both discounts can enjoy a combined discount of up to 16.4%.

Structure Protection Discounts:

  • Class A Fire-Rated Roof Assembly
  • Ember and Fire-resistant vents
  • Enclosed eaves
  • Upgraded (multi-paned) windows
  • Non-Combustible material at the bottom 6 in. of exterior walls


Structure Protection Discounts:

  • Clear vegetation under decks
  • Remove vegetation and mulch within 5ft of home
  • Use only non-combustible materials for fences within 5 ft of home
  • Clear vegetation and debris from roof and gutters


Solar & Battery Incentives

Property Tax Exclusion: Protect Long-Term Carrying Costs - In California, solar and battery systems are excluded from property tax reassessment.


This means:

No increase in annual property taxes

Applies even when system upgrades increase home value

Preserves long-term ownership economics for high-value properties

Net Billing (NEM 3.0): Intelligent Energy Management - California’s Net Billing framework rewards strategic solar and battery design, not simple grid exports.


Key advantages include:

Export rates locked in for 9 years

Battery-enabled load shifting during peak demand periods

Reduced reliance on volatile utility pricing

Systems optimized for self-consumption and energy control


Net Billing + Adders (NEM 3.0)

Battery Rebates (SGIP): Capital Efficiency for Resilience - California’s Self-Generation Incentive Program (SGIP) provides direct rebates for battery storage, particularly for homes in wildfire-prone or grid-constrained areas.


Benefits include:

Reduced upfront battery cost

Incentives aligned with grid resilience and backup power

Priority for high-risk fire zones and critical-load households

Improved protection during Public Safety Power Shutoffs (PSPS)


FAQs

  • How do your wildfire retrofits protect my home or building?

    Wildfires rarely destroy homes through giant walls of flames. Most home losses happen because of wind-driven embers-burning pieces of vegetation and debris-that travel miles ahead of the fire front and ignite weak points of a building. Our retrofits are specifically designed to interrupt the three pathways of structure ignition: embers, radiant heat, and direct flame contact.


    Ember Intrusion Control: 

    Enclosed eaves, ember-resistant vents, and non-combustible gutter guards block the tiny openings where embers enter through attics, rooflines, and wall cavities. OPen eaves are especially vulnerable because they create a sheltered pocket where embers naturally swirl, accumulate, and ignite exposed wood or trapped debris. By converting open eaved into sealed, ignition-resistant assemblies- you eliminate one of the most common ember entry points. Since embers cause the majority (est. 60-90%) of home ignitions, sealing these pathways dramatically reduces risk.


    Roofline Hardening:

    Class A roofing assemblies- with non-combustible underlayments, and protected roof-to-wall sections that seal shingle and tiles from ember intrusion. These upgrades also resist radiant heat, which can pre-heat and ignite roofing materials even without direct flame contact.


    Perimeter and Gutter Protection:

    Non-combustible gutter guards prevent debris buildup-one of the most common ignition points. By eliminating gutter buildup of highly flammable leaf litter, you remove a major fuel source right at the roof edge. 


    Active suppression at the roofline:

    Roof-mounted sprinkler systems create a localized high-humidity micro-climate around the structure, a strategy supported by recent wildfire research showing that elevated moisture levels significantly reduce the ignition potential of most building materials. A continuous film of water along the roof, eaves, and walls of disrupts the primary ignition pathway:wind-driven embers. At the same time, rotary sprinkler heads increase ambient humidity that prevents particulate matter and smoke infiltration. This reduces ember ignition probability and helps keep vulnerable surfaces wet during the most intense ember exposure. 

  • How much can I save with a white Silicone roof coating?

    Installing a white Silicone roof coating can fully waterpoof an existing flat or low slope roof while delivering long term cost savings and improved energy efficiency. Studies show that reflective white roof coatings can reduce cooling costs by up $0.50 per square foot annually- meaning  a 20,000 square foot commercial roof could save $10,000 annualy.  


    Beyond the energy savings, white roofs help lower indoor temperatures, reduce the urban heat island effect, ease HVAC system workload, and extend the overall lifespan of the roof. 

  • Can I retrofit a sprinkler system to an existing roof?

    Absolutely. Our roofline sprinkler systems can be retrofitted to virtually any existing roof. We custom fit sprinkler heads to all roof types—flat, pitched, tile, and metal- while ensuring the installation  complements the existing aesthetics of the structure. 


    Every CCR roofline suppression system is custom built- with each sprinkler head, riser, and controller box placed based on a detailed audit of the properties slope, wind exposure, aspect, and surrounding vegetation. 

  • Are your materials Class-A rated and CAL FIRE-approved?

    Yes. All vents and gutters we install are CAL FIRE-listed for use in Wildland Urban Interface (WUI) zones, meaning they meet the state's strict standards for resisting flame intrusion, flame penetration, and heat exposure. Our vents are tested to prevent embers from entering attic and crawlspace cavities.


    In addition to CAL FIRE-listed vents and gutters. we use anti-incendiary roofing components as part of Class-A approved roof assembly. This includes underlayments such as GAF GlasBase, which uses a non-combustible fiberglass core, as well as GAF Tiger Paw, a synthetic underlayment that maintains its structure under high temperatures. Together, these materials ensure structural resilience and meet the highest fire-resistance standards recognized by CAL Fire and WUI building codes. 

  • How does a roof sprinkler system work, and how will it protect my home during a wildfire?

    Our custom roofline sprinkler systems activate manually or automatically to create a continuous water curtain around your home. This curtain cools exterior surfaces, blocks radiant heat, and saturates nearby vegetation to prevent ignition during ember storms- the leading cause of structure loss in wildfires. By keeping the roof, eaves, and defensible space damp, the system makes it far more difficult for wind-driven embers to ignite roofing material, leaf litter, or siding. 


    The system is also off-grid capable, using a controller box that allows for manual or remote activation, smart plugs, and backup batteries or a generator so it can operate during power shut offs or water pressure failures- conditions that are common during major wildfire events. 


    In addition to fire protection, the sprinklers provide smoke defense. By raising local humidity and cooling exterior surfaces, the system reduces thermal pressure differences that normally pull smoke into vents, eaves, and HVAC intakes. This helps protect indoor air quality and minimizes the need for post-fire smoke remediation. 

  • What is a roof energy audit and how does it work?

    Our free roof energy audit uses ArcGIS mapping software to analyze your roof’s surface area and location-specific conditions. We estimate potential energy savings, ROI timelines, and environmental impact—no site visit needed for the initial analysis.

  • Will the Roofline Sprinklers still work during a power outage?

    Yes. Our systems can be cistern-fed and operate off-grid using gravity or battery-powered pumps.

  • What is fire hardening, and why is it necessary for LA ?

    Fire hardening includes structural upgrades that help your home or building resist wildfire damage—like enclosed eaves, fire-rated vents, fire caulking, metal gutters, and Class A roofing systems.

  • Do you install fire caulking or just recommend it?

    We install high-temperature fire-rated caulking around roof joints, fascia gaps, conduit penetrations, and vents to block ember intrusion.

  • What’s the benefit of enclosed eaves?

    Enclosed eaves prevent embers from entering attic spaces or igniting exposed framing. We custom retrofit open eaves with noncombustible panels and sealed soffits.

Still have a question?

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