Class A Roof
Your roof must be a Class A fire-rated roof. Mercury’s Class A roof options include:
- Metal
- Clay tile
- Concrete tile
- Slate
- Class A asphalt shingles
Explore the core property requirements and wildfire mitigation standards necessary to qualify for coverage with Mercury.
Find out if you could be eligible for a Mercury policy with our minimum fire-safety criteria.
Your roof must be a Class A fire-rated roof. Mercury’s Class A roof options include:

Ensure 6-inch vertical noncombustible clearance at the base of exterior walls.

Vents should be equipped with noncombustible metal mesh screening with openings no larger than 1/8 inch.

If there’s an outdoor deck, the base needs to be enclosed and protected, and the deck material itself should ideally be noncombustible. That said, the latter requirement can be flexed if all others are met.

Our 5-foot zone requirements are more flexible than IBHS standards:

Meet the Minimum. Reduce Risk. Protect your home. Protect what matters.
Meeting these minimum standards helps protect your home and keeps you insurable with Mercury.
Disclaimer: Meeting these minimum standards does not guarantee insurance. Your home must also meet other underwriting requirements, including but not limited to: acceptable loss history, no unsafe conditions, and not being built on a slope greater than 30 percent. Additional factors may apply. © 2026 Mercury Insurance Services, LLC