If there is a 0 at position 7, position 6 and 8 must be 1.
It would look something like: XXXXX101XXXXXXXXXXXX
Because the first 5 bits are 00-free bitstrings of length 5, there are $ f_{5+2} $ combinations.
Bitstrings from position 9 to 20 are 00-free bitstrings of length 12, there are $ f_{12+2} $ combinations.
Thus, there are $ f_{7} \cdot f_{14} $ combinations.