加州野火防御贷款上线：最高5万美元 利率5.99%起 帮屋主改造防火并拿回保险
旧金山 — 野火防御公司 Madronus 与非营利住房机构 Neighborhood Partnership Housing Services（NPHS）10月29日宣布合作，为加州屋主推出「野火韧性贷款」，帮助屋主出资完成防火改造，争取拿到或保住房屋保险。
贷款条款为：最高50,000美元，期限最长15年；家庭收入在地区收入中位数（AMI）120%及以下的，利率5.99%；收入更高的，利率6.99%。申请人信用分最低620分，仍须通过承保审批。贷款用于支付经 Madronus 野火韧性平台评估认定的改造项目，例如防火屋面、封堵通风口、清理屋周可燃物等。
完成改造的房屋可争取获得保险建筑安全研究所（IBHS）的「野火准备之家」（Wildfire Prepared Home）认证。参与计划的保险公司可能据此恢复承保或给予保费折扣，这对已经被商业保险拒保、只能投保加州 FAIR Plan 的屋主尤其重要。不过两家机构也声明，保险承保与折扣幅度取决于具体房产与保险公司的核保要求，个案的节省金额不作保证。
加州野火风险区近年面临保险公司退出、保费暴涨的困局。把「防火改造」与「贷款融资」打包，是市场上出现的新解法：改造提高了房屋在野火中的存活概率，保险公司才有意愿重新进场。
Wildfire Resilience Loans Launch in California: Up to $50,000 From 5.99% to Fire-Harden Homes and Restore Insurability
SAN FRANCISCO — Madronus Wildfire Defense and the nonprofit Neighborhood Partnership Housing Services (NPHS) announced a partnership on October 29 to make wildfire resilience affordable for California homeowners, including those struggling to find insurance or forced onto the California FAIR Plan.
Through the program, homeowners can borrow up to $50,000 for terms of up to 15 years: a 5.99 percent interest rate for eligible households earning up to 120 percent of area median income (AMI), and 6.99 percent for households above that line. A minimum credit score of 620 is required, subject to underwriting and approval. The loans finance improvements identified through Madronus's wildfire resilience platform — such as fire-resistant roofing, ember-proof vents and defensible-space work.
Homes that complete the work can pursue the Insurance Institute for Business & Home Safety (IBHS) Wildfire Prepared Home designation, which can unlock coverage and premium savings from participating insurers — a lifeline for owners dropped by commercial carriers. The partners caution that insurance availability and savings depend on the property and each insurer's underwriting, and individual savings are not guaranteed.
With insurers retreating from California's fire-prone areas and premiums soaring, pairing mitigation with financing is a new market answer: harden the home first, and coverage becomes possible again.
来源：Madronus 与 NPHS
发布：GSM·美国（发布链接）
图片来源：GSM资料图：野火烧毁的住宅区航拍（本站图库）
GSM Global · 本篇英文版 English edition of this story
