NV · regulation notes
Nevada wildfire insurance & regulation
Paraphrased from official DOI / residual-market materials. Not legal advice — confirm live pages before relying on day counts or dollar limits.
FAIR / residual market
No residential FAIR Plan as of sources reviewed. AB 437 (2025) proposed a FAIR Plan; secondary reporting indicates it failed — confirm legislature outcome before citing. Residual path: admitted shopping → surplus lines. AB 376 materials discuss wildfire carve-outs / standalone wildfire products — verify chaptered text.
Non-renewal & notices
DOI data calls document rising wildfire-related cancellations, nonrenewals, and new-business declines. Exact statutory nonrenewal-day count: verify Nevada Insurance Code / DOI consumer materials before publishing.
Mitigation credits & disclosure
Voluntary Wildfire Mitigation Incentive Program allows expedited SERFF prior approval for listed personal-lines discounts (Class-A roof, hardening items, Firewise / Fire Adapted / Ready Set Go! community credits, etc.). Insurers are not required to adopt the program. Published upper bounds apply to the expedited track relative to total premium — see the DOI PDF.
Risk-score / appeal path
No CA/CO-style formal score-appeal statute was found in the research pass. Ask carriers which Mitigation Incentive Program discounts they filed and how to qualify; document Firewise / hardening for underwriting challenges.
Homeowner takeaways
- Ask which voluntary mitigation discounts your carrier actually filed.
- Budget time for surplus-lines quotes if admitted markets exit.
- Read declarations carefully if wildfire is carved out or sold standalone.