Risky home building syndrome (RHBS ) is a name for a condition that’s exists on new and old homes in the western urban wildland regions where wild fires are the new norm for at least 6 months a year where humidity levels can be zero. Ember fly for miles and miles when humidity is low. The reason M-Fire hass defined the risky home syndrome is to promote a new best practice for home builders to build resilience into all new homes and defend the owners of current homes and the buyers of new homes under construction. M'Fire's GM has been promoting resilience products and methods to make all homes safer from wild fires and flooding for over 10 years. Today's builders are more focused on what buyers want to see in their model homes than making their homes safer from wild fires, flooding and other natural disasters. To make homes safer against thye risk of wildfires, M-Fire has developed a Risk Home Building Syndrome (RHBS) Rating System which is designed and available as a new Best Practice for all builders, for recognition by insurance underwriters who want builders and homeowners to adopting and reduce the risk profile of homes, and reward them with lower homeowners insurance premiums. It is expected the RHBS Rating System will work to make insuring homes in risky wildfire regions less risky, and homewowner insurance policies underwritten in this regions economically sustainable.
Diagnosing the existence of the risky home building syndrome (RHBS ) in any particular home or neighborhood is not a difficult thing to do for the reasonable builder and insurance underwriter -- especially when it comes to wild fire defense. However, home builders need to make resilience a new priority over solar energy and granite counter tops, because spending more on defending our homes, neighborhoods and forests from wildfires, than on solar farms, will help ensure all of our clean energy efforts will not substantially undermined during wild fire season by the huge production of greenhouse gas and toxins from burning wild fires and houses. If we can do both, then we create a more sustainable approach to meeting the demands for affordable housing.
Unfortunately, today's current LEED program adds very little value to home owners that live in a risky wild fire syndrome (RHBS) home. To benefit such home owners, we need an incentivized rating program, which we are calling the RHBS Rating System, which has a point system. Under the RHBS System, the higher the rating, the lower insurance insurance premiums should be for home owners in high wildfire risk regions. Those builders who do nothing would get a 0 rating in the (RHBS) Rating System. Those builders who embrace and build according to the RHBS Rating Program will get a higher rating so our insurance industry will know to reward the builder's home buyers with lower homeowners premiums. Our government could even offer tax credits to home owners who defend their homes from wild fire loss. We encourage LEED to support the resilent concept under the RHBS Rating System. Under the RHBS Rating System, granite countertops and automated lighting systems has no value, nor to insurance underwriters insuring homeowners in Urban Wild Fire Regions.
Under the RHBS System, builders and homeowners will have many choices :