Asked constantly, answered straight

No. Your carrier decides, and anyone promising otherwise is selling you something. We guarantee the strongest version of your case: a complete, cited record mapped to your carrier's own filed program, delivered and tracked. When a carrier denies documented, code-referenced evidence, it must say why, and that written answer becomes the foundation of your appeal.

Because wildfire mitigation programs are usually filed, regulated, or documented long before they are explained clearly to a homeowner. California requires insurers that use wildfire risk in rating to reflect mitigation. Colorado requires wildfire-risk transparency and mitigation recognition notices starting July 1, 2026. Applying those programs still requires a homeowner to show up with acceptable proof, and most never do.

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.

The address check takes about 30 seconds. Most homeowners photograph their property in under an hour using our shot list. Once your uploads finish, the packet is ready in minutes.

Plenty, because it's exactly what insurers do to you. From satellite and street-view imagery we read your parcel's vegetation, perimeter, roof, and structures, and flag what a scoring model or underwriter would: overgrowth near the walls, a wood fence meeting the house, an exposed deck edge. You see the red flags first, with the fix and the shot that proves it.

Especially then. California FAIR Plan discounts are filed and published, and the same evidence packet doubles as your application file for getting back to an admitted carrier, which is usually the bigger prize. In Colorado, the packet gives you the cited mitigation record you need when an insurer explains a wildfire risk score, mitigation credit, or underwriting decision.

It's exactly the time. A nonrenewal 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 a residual-market plan. We build the packet and track every date so nothing lapses while you fight.

Thirty-plus pages: a carrier-specific cover letter, property summary, the mitigation verification matrix across all twelve categories, requirement-by-requirement evidence mapping, captioned photo exhibits, invoice and inspection appendices, an honest missing-proof checklist, the specific requested action, and an audit log. Every claim cites its exhibit and its rule.

Yes, with Packet + Submission. With your written authorization, we deliver it to your carrier or broker on the record, log the submission, track acknowledgment and response deadlines, and read and classify every carrier reply. Silence gets followed up. Answers get acted on.

They become your permanent evidence record: stored, versioned, and exportable. We don't sell your data, and your evidence serves exactly one purpose, proving your mitigation to your insurer. Details in our privacy policy.

Neither. FireSafeProof is a documentation service. We don't sell insurance, negotiate claims, or give insurance advice. We build the evidence record and manage its delivery, and your carrier makes every coverage and pricing decision. See "What we are (and aren't)" for the full statement.