FAQ & Regulations
Read this first
What HealthIntel Is, And What It Isn’t.
What is HealthIntel?OpenClose
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. FireIntel and StormIntel are active today; RoofIntel and WaterIntel arrive in Phase 2.
How long does the assessment take?OpenClose
Most homeowners finish the intake in about 10–15 minutes. The full photo walk-through usually takes about an hour if you do it all in one sitting, though you can also break it into shorter sessions across a day or two.
What do I need to start?OpenClose
Your carrier name, the property address, your phone camera, and access to the outside of your home. That's it. No documents to dig up before you begin.
Can I save and come back later?OpenClose
Yes. Once you create your account your progress, photos, and final report stay private and recoverable from any device. Pause whenever you need to and pick up where you left off.
Is it only available in Texas?OpenClose
Today, yes. The first FireIntel + StormIntel rollout is Texas-only because the underlying data partners (TxWRAP, Texas carrier rubrics) are state-specific. We expand to additional states as the data sources come online. Sign up to be notified when your state goes live.
What does the report cost?OpenClose
Per-report pricing (Standard or Detailed tier), and free during the current beta with code BETA at checkout. See the pricing page for the current rates.
Why a multi-peril score and not just a wildfire score?OpenClose
Texas carriers non-renew and re-rate on many perils, not just wildfire. Wind/hail, roof age, and vegetation all trigger action. A composite HealthIntel matches how carriers actually look at your home.
What is a WUI zone?OpenClose
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 FireIntel is the first module we shipped.
What is Colorado HB 25-1182?OpenClose
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.
How does my report help with insurance?OpenClose
It documents your home's condition and mitigation work with timestamped, geotagged evidence in the NGDS data schema underwriters are familiar with. You own the report and decide what to do with it on your own terms. We do not represent you in a claim.
Does Home Health Intel file claims for me?OpenClose
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.)
What is defensible space?OpenClose
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 FireIntel module.
Go Deeper
See how the HealthIntel is computed on the methodology page, or read the regulatory frame on disclosures.
Photography
All photography sourced from Unsplash under the Unsplash License. Credits: Alethia Briones, Lily Miller, Anna Prokudina, Javi o, Dawn Casey, Seven Colors, Kellen Riggin, Paragon Exterior, Erik Mclean, Helena Lila, Erik Mclean, Gennady Zakharin, Bruno Delebecque, Sergej Karpow, Clay Banks, Sergej Karpow, Zack Masters, seeetz.
Home Health Intel · A Nalo Seed concept