Save money on your wildfire insurance.
Insurers recognize documented wildfire safety work. Enter your address to see your parcel, the conditions an underwriter may flag, and the proof that can support available discounts, renewals, or risk-score reviews.
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Every sentence cites its rule.
Each claim in your packet points to the state rule, building code section, tax guidance, or carrier filing that makes it matter.
Every photo becomes evidence.
Every upload is reviewed, dated, matched to your mitigation category, and assembled into a numbered exhibit.
Every deadline gets chased.
Acknowledgment windows, response deadlines, renewal dates. Your carrier's silence is a tracked event, and tracked events get follow-up.
From camera roll to carrier's desk in four steps
Type your address
We pull satellite and street-view imagery of your parcel automatically and flag what an underwriter would: overgrowth, a combustible perimeter, exposed decks. You see it before you touch a camera.
Add your photos and receipts
Phone photos are fine. Each upload helps complete the proof your state and carrier are likely to ask for, with plain next steps for anything still missing.
Close your gaps
You get clear photo instructions, like a closeup of the eave vent with the ember-resistant label visible. No guessing what an underwriter wants to see.
Submit and track
We deliver the packet to your carrier or broker, log the submission, and track every deadline until you have an answer on your discount, renewal, or appeal.
Twelve categories. The full mitigation record.
We document the structure hardening, defensible-space, maintenance, assessment, and community-mitigation categories insurers ask about, with the exact proof each one takes. All of it photographable from your driveway.
Class A roof
Roofing invoice, material spec, and full-roof photo set.
State wildfire rules · structureEmber-resistant vents
Closeups with the vent label legible, one per opening.
WUI code · ventsZone 0 · 0–5 ft
Noncombustible perimeter shots from all four elevations.
Defensible space · immediate zoneZone 1 · 5–30 ft
Cleared vegetation, spacing, and ladder-fuel photos.
Defensible space · primary zoneZone 2 · 30–100 ft
Reduced-fuel documentation across the full parcel.
Extended fuel reductionGutters & debris
Clean gutters, metal guards, dated maintenance record.
Maintenance guidance · structureTree & brush clearance
Before/after clearance photos and contractor invoices.
State and local defensible-space rulesDecks, fences & attachments
Attachment materials and the first five feet of fencing.
IBHS Wildfire Prepared Home PlusWindows & exterior doors
Dual-pane or tempered glazing specs and receipts.
WUI code · openingsSiding & exterior materials
Material documentation for walls and eaves.
WUI code · exterior materialsInspections & certifications
Defensible-space inspections, IBHS certificates, CSLB licenses.
Carrier filings · IBHSCommunity programs
Firewise USA site status and local community mitigation documentation.
Community mitigationA folder of photos is easy to ignore. This isn't.
Underwriters accept their own filings. Every packet claim is anchored to an exhibit, a rule, and the source document, so the person reviewing it can see the proof and the rule in one place. "Homeowner says" becomes "record shows."
The dwelling's roof assembly was replaced on March 14, 2025 with GAF Timberline HDZ Class A fire-rated shingles Exhibit 07 · invoice Exhibits 08–11 · photos, satisfying the fire-rated roof requirement in the applicable wildfire mitigation rule state rule as recognized by the carrier's mitigation review process carrier notice.
verified current · linked in packet
Know where you stand for free
State rules and carrier programs increasingly recognize documented wildfire mitigation. One year of savings can cover the packet many times over.
Readiness Scan
See your property the way an underwriter does.
- Satellite + street-view review of your parcel, automatic
- Likely risk flags and discount opportunities to ask about
- A plain checklist across all 12 mitigation categories
- Clear photo instructions for each missing item
Evidence Packet
The full insurer-ready document, built from your evidence.
- Complete cited packet, cover letter to audit log
- Proof checklist tied to the rule text
- Photo, invoice, and inspection appendices
- Carrier-specific cover letter and requested action
Packet + Submission
We deal with the carrier so you don't have to.
- Everything in Evidence Packet
- Submitted to your carrier or broker, on the record
- Acknowledgment and response deadlines tracked
- Carrier replies read, sorted, and answered
Asked constantly, answered straight
Can you guarantee my discount or renewal?
No one can. Your carrier decides, and anyone promising otherwise is selling you something. We guarantee the decision gets made on a complete, cited record of your mitigation work. When a carrier says no to documented, code-referenced evidence, it has to say why, and that written answer becomes the basis of your appeal.
Are my phone photos really good enough?
Yes. Underwriters need to see specific things: a vent label, a clean five-foot perimeter, a roof material. We check every image for what it proves, and when a shot won't hold up, we tell you exactly what to retake and how.
I was nonrenewed. Is it too late?
It's exactly the time. A nonrenewal notice starts a clock, and a documented mitigation record is the strongest thing you can put in front of your current carrier, a new carrier, or the FAIR Plan. We build the packet and track the dates so nothing lapses while you fight.
You hardened your home. Now get paid for it.
Thirty seconds from now you'll see your likely paperwork gaps. An hour of photos later, you can have the packet to ask for every discount you qualify for.