FAQ & Regulations

A composite read on your home's insurance posture across multiple perils — wildfire, wind/hail, roof condition, and flood/water. Each peril gets its own module score, and the composite is the weighted roll-up. FireScore is the first module that ships; StormScore, RoofScore, and WaterScore arrive in later phases.

Texas carriers (Allstate, Nationwide, Germania, Cypress, State Farm, USAA) non-renew and re-rate on many perils, not just wildfire. Wind/hail, roof age, and vegetation all trigger action. A composite HealthScore matches how carriers actually look at your home.

The Wildland-Urban Interface is where developed land meets undeveloped wildland vegetation. Austin expanded its WUI overlay to cover 51% of habitable land in the city — which is why FireScore is the first module we shipped.

Colorado law, effective August 2025, requires insurers to disclose wildfire risk scores, factor mitigation work into pricing, provide discounts, and allow homeowners to appeal their score within 30 days. We follow it because Texas tends to follow Colorado on insurance reform.

It documents your home's condition and mitigation work with timestamped, geotagged evidence in a format your carrier already accepts. You own the report. You decide what to share with your carrier and when. We don't represent you in a claim.

No. We are not a public adjuster. We produce evidence and analysis — you and your insurance carrier handle the claim itself. (Texas Insurance Code § 4102.)

Three concentric zones around your home (0–5 ft, 5–30 ft, 30–100 ft) where vegetation management slows or stops a wildfire before it reaches the structure. It's the foundation of the FireScore module.