Getting your clients verified for their Hazard Reduction Discount (HRD) doesn’t have to be complicated. In fact, we’re going to show you five easy ways to make HRD verification a breeze for your clients.

New to the HRD process? Check out our Retrofit Discounts and Incentives page for the basics.​

Okay, let’s get started!​

​1. Make sure your client’s house qualifies.

Make sure your client’s house meets all of the following eligibility requirements before they fill out the CEA Dwelling Retrofit Verification form:

  • Was built prior to 1979.
  • Built with wood-frame construction.
  • Has a raised foundation (not on a slab).
  • Wood frame is secured to the concrete foundation
  • Water heater secured to building’s frame.
  • If the house has cripple walls, they must be braced with plywood or its equivalent, in accordance with state building codes.
  • If the home was built on a post-and-pier foundation, it must be modified in accordance with state building codes.​

2. Wait, did your client get the correct verification signature?

Depending on the type of retrofit (self-verified or verified by a civil/structural engineer or licensed contractor) and age of the house your client may qualify to receive a 5% to 20% discount on their CEA policy premium.

If your clients are looking for a 5% discount, they can easily self-verify, so no need for a third-party signature. However, if they already have the 5% and are looking to qualify for a 10% or 20% (or have no discount yet but know they want the highest possible) premium discount, a licensed contractor, civil, or structural engineer will need to sign the CEA Dwelling Retrofit Verification form.

​​Need help finding a licensed inspector? See a list of contractors who have successfully completed a FEMA training for seismic retrofitting.​​

3. Always double-check your client’s HRD Verification form.

Even though policyholders submit their HRD form directly to their PI, many prefer to ask their agent to assist them with the process so that they be sure they’ve completed the form properly.

If you’re assisting a client, keep in mind that missing and/or incorrect information in the CEA Dwelling Retrofit Verification form is often the reason for a discount verification delay.

Even though the verification form is short, questions or sections might still be overlooked. Make sure to take a second peek through your client’s completed form before submitting.

4. Your policyholder needs to submit the completed form directly to you or your company -- not CEA.

Many agents and policyholders try to submit their verification forms directly to CEA, instead of their PI. We don’t process any HRD submissions at CEA. Submitting HRD forms directly to us delays the discount verification process for your client.

Remember, once you’re done assisting your client with their HRD Verification form, submit it directly to the PI you work for. CEA does not accept or process these forms.

5. Don’t be afraid to ask questions.

If you have questions on your client’s retrofitting needs (or your own), call (888) 933-9876.

If you have any other questions or need additional information about HRD, call (877) 232-4300. You also may find valuable information about retrofitting on​.​