Insurance carriers are enforcing Zone 0 today. Rules finalizing 2026.

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Do it yourself

Your DIY Zone 0 guide.

Most homeowners can handle 4–6 of the 12 Zone 0 items themselves in a weekend. Here's where to start, what to buy, and when to call a pro.

Easy wins — under $200, no contractor needed

Weekend projects — $200–$1,500

When you should call a pro.

  • Full fence replacement

    If you have wood fencing along an entire side of your home, a fence contractor will be faster, code-compliant, and often cheaper end-to-end.

  • Tree work over 10 ft

    Branches over a roof or near a chimney require an ISA-certified arborist for safety and insurance. Do not climb to do this yourself.

  • Significant landscape redesign

    If you’re re-grading, installing a French drain, or rebuilding planters, a landscape contractor will plan the whole project around Zone 0 from the start.

  • Vent retrofits requiring structural work

    Soffit and eave vent rebuilds often need exterior siding to be opened up — a job for a general contractor or roofer.

Need help with the harder items? Find a contractor → or finance the work →