What a wildfire risk score is
Carriers price wildfire exposure with third-party models that score your parcel on fuel, slope, wind, access, and ember exposure, working largely from aerial imagery and regional data. The models are useful at the neighborhood level and routinely blind at the parcel level. A satellite can't read a vent label, and many models update on a lag that misses the clearance work you did last spring.
Your rights under the regulation
- Disclosure: if your insurer uses a wildfire risk score in rating, it must tell you the score.
- Appeal: it must maintain a process for you to contest that score with evidence of your property's mitigation.
- Recognition: completed Safer from Wildfires actions must be reflected in your rate under the carrier's filed program.
What wins an appeal
The reviewer on the other side needs to justify changing a number in a filed rating system. Give them what they can defend to their own auditors:
- Dated, captioned photographs of every completed measure, the detail and the context.
- Invoices and contractor certifications that pin dates and materials.
- Inspection reports. A defensible-space inspection or IBHS designation carries independent weight.
- Rule citations that map each item to the carrier's own filed discount program, so granting the appeal means applying their own filing.
That last item is the entire FireSafeProof thesis: an appeal that quotes the carrier's filing back to it converts "please reconsider" into "apply your own rules."
Nonrenewed or moved to the FAIR Plan?
The same evidence packet works three directions at once: an appeal or underwriting review with your current carrier, an application file that makes you writable for a new admitted carrier, and the FAIR Plan's own filed hardening discounts of up to 24.5% while you're there. A nonrenewal starts deadlines. We track them so nothing lapses while you fight.
How the appeal packet works
Check your address and we start with the same vantage point the model used: satellite and street-view imagery of your parcel, reviewed for everything a scoring model or underwriter would red-flag. Then upload your evidence, and we assemble the wildfire underwriting review packet: your score context, the mitigation record with exhibits, the criteria-to-evidence mapping against the carrier's filing, and the specific requested action. With submission, we file it, log the date, and chase the response window until you have an answer in writing.