Showcase

Demo · Sample Report

What your homeowner walks away with.

A complete HealthIntel report, formatted in the NGDS schema underwriters already read. Scroll for the preview, then download the actual PDF.

HealthIntel Report

1234 Wildfire Lane

Austin, TX 78746 · Travis County

Wildfire-active assessment · prepared for renewal

Composite HealthIntel

What this score means

A 0–100 read on your home’s insurance posture across every active peril module: wildfire, wind/hail, roof, and water. Higher is better. Carriers tend to react around grade boundaries (A/B vs C, D vs F).

71/ 100

Grade

Risk Tier

How risk tiers map

Low (85–100, A/B), Moderate (55–84, B/C), High (40–54, D), Severe (0–39, F). Tier is what most carriers reference when they make underwriting decisions.

moderate

Confidence

What confidence reflects

How complete and well-tagged the photo evidence is. Lower confidence usually means missing sides or low-quality images, and re-shooting those photos raises confidence and can raise the score.

78%

Carrier of Record

Germania Mutual

Generated

Apr 22, 2026

Module Dashboard

FireIntel
Wildfire
Active
62
/ 100
C
StormIntel
Wind / Hail
Phase 2
71
/ 100
B
RoofIntel
Roof Condition
Phase 2
78
/ 100
B
WaterIntel
Flood / Water
Phase 2
95
/ 100
A

Top 3 Fixes For This Home

Action First

Start here. Score moves the most.

These are the three highest-severity findings from the report below. Resolving them tends to move the HealthIntel the most, and they’re typically the cheapest to address before renewal.

1criticalImmediate · 0–5 ft
Cedar tree within 5 ft of structure
Remove or relocate. Ashe Juniper carries highly volatile oils and is the primary wildfire fuel in the Hill Country. Maintain a minimum 10 ft clearance from any wall or eave.
2highRoof surface
Leaves and debris in gutters
Clean gutters and install 1/8" mesh gutter guards. Accumulated organic debris becomes ember fuel along the roofline and removes ember resistance the roof was rated for.
3highImmediate · 0–5 ft
Wood mulch against foundation
Replace wood mulch with gravel or stone within 5 ft of the structure on all sides. A non-combustible perimeter is the highest-impact change you can make.

Full severity-sorted findings, evidence photos, and the 30-/60-/ 90-day action plan continue below.

Aerial & County Context

Property in context.

Three defensible-space zones offset outward from your home’s footprint, the same zones every carrier rubric reads. Below, the FEMA county-level baseline for the same perils.

Aerial tile via Google Static Maps · zoom 19. Display-only per Maps TOS. Zones offset 5 / 30 / 100 ft outward from the structure footprint.

Immediate
0–5 ft
Intermediate
5–30 ft
Extended
30–100 ft

FEMA NRI · County Baseline

Wildfire

Relatively High

78.4 / 100

Strong Wind

Relatively Moderate

65.2 / 100

Hail

Relatively High

81.7 / 100

Riverine Flood

Relatively Low

41.3 / 100

FEMA NRI ratings reflect county-level baseline hazard. They don’t alter your HealthIntel directly (the AI-tagged property evidence drives the score), but they explain why your carrier prices the way it does in this geography.

Annotated Evidence

Your photos, with the zones, plants, and findings drawn on top.

Every uploaded photo is layered with three things: the defensible-space zones, tagged objects from AI plant ID, and callouts pointing at the issues your carrier would flag at renewal. The same overlay renders in the PDF report.

Front yard · Travis County · captured 2026-04-22. Zones overlaid; cedar + mulch findings tagged.

Aerial view · Travis County. Defensible-space zones rendered to scale; structure sits at the center of the immediate band.

Findings & Zones

Where the score is coming from.

Immediate · 0–5 ft
Non-combustible only.
6
/ 100

Findings (Severity-Sorted)

6 total

01criticalImmediate · 0–5 ft
Cedar tree within 5 ft of structure
Remove or relocate. Ashe Juniper carries highly volatile oils and is the primary wildfire fuel in the Hill Country. Maintain a minimum 10 ft clearance from any wall or eave.
02highRoof surface
Leaves and debris in gutters
Clean gutters and install 1/8" mesh gutter guards. Accumulated organic debris becomes ember fuel along the roofline and removes ember resistance the roof was rated for.
03highImmediate · 0–5 ft
Wood mulch against foundation
Replace wood mulch with gravel or stone within 5 ft of the structure on all sides. A non-combustible perimeter is the highest-impact change you can make.
04moderateVents
Non-screened soffit vents
Install 1/8" mesh ember-resistant vent screens (ASTM E2886). Open vents allow embers to enter the attic during a wind-driven fire.
05moderateIntermediate · 5–30 ft
Ladder fuels under tree canopy (back yard)
Limb up trees so the lowest branches are at least 6 ft above the ground and clear shrubs from beneath the canopy. Breaks ladder-fuel continuity.
06lowExtended · 30–100 ft
Dense King Ranch Bluestem in extended zone
Mow to 4" or replace with native grasses. Dry stands create continuous ground fuel during a Red Flag window.

Action Plan

Your prioritized to-do list.

Findings re-sorted by what moves the score furthest, fastest. Closing the critical and high-severity items before sharing this report with your carrier is the difference between a non-renewal letter and a renewal at today’s rate.

This Week

01
Cedar tree within 5 ft of structure
criticalImmediate · 0–5 ft
Remove or relocate. Ashe Juniper carries highly volatile oils and is the primary wildfire fuel in the Hill Country. Maintain a minimum 10 ft clearance from any wall or eave.

Next 30 Days

02
Leaves and debris in gutters
highRoof surface
Clean gutters and install 1/8" mesh gutter guards. Accumulated organic debris becomes ember fuel along the roofline and removes ember resistance the roof was rated for.
03
Wood mulch against foundation
highImmediate · 0–5 ft
Replace wood mulch with gravel or stone within 5 ft of the structure on all sides. A non-combustible perimeter is the highest-impact change you can make.

Next 60 Days

04
Non-screened soffit vents
moderateVents
Install 1/8" mesh ember-resistant vent screens (ASTM E2886). Open vents allow embers to enter the attic during a wind-driven fire.
05
Ladder fuels under tree canopy (back yard)
moderateIntermediate · 5–30 ft
Limb up trees so the lowest branches are at least 6 ft above the ground and clear shrubs from beneath the canopy. Breaks ladder-fuel continuity.

Next 90 Days

06
Dense King Ranch Bluestem in extended zone
lowExtended · 30–100 ft
Mow to 4" or replace with native grasses. Dry stands create continuous ground fuel during a Red Flag window.

Evidence Manifest

Chain-of-custody, end to end.

Each capture is hashed at upload time. Anyone reviewing the report can verify the photos against the manifest, in the NGDS schema underwriters already read.

Immediate · 0–5 ft
e-001 · 15:08 UTC
62fe4d912462…
Roof surface
e-002 · 15:09 UTC
2ff6df652851…
Siding
e-003 · 15:10 UTC
39453d0529d5…
Intermediate · 5–30 ft
e-004 · 15:11 UTC
213bd9124213…

Total Photos

Hash Algorithm

SHA-256

Schema

NGDS 1.0.0

Generated

Apr 22, 2026

What’s Inside

Six pages, built to be read.

01
Composite + Module Dashboard
HealthIntel, grade, confidence, per-peril roll-up, and a plain-language executive summary up front.
02
Aerial View + FEMA NRI
Satellite tile of your home with three defensible-space zones drawn at 5 / 30 / 100 ft, plus FEMA county baseline for wildfire, wind, hail, and flood.
03
Zone Scores & Findings
Defensible-space zone breakdown plus every issue tied to its IBHS / NFPA rubric category, with the specific remediation that lifts the score.
04
Evidence Sheet
Photo thumbnails with SHA-256 chain-of-custody and a manifest summary so a carrier can verify the bundle is unmodified.
05
How To Read Your HealthIntel
Plain-language guide to the composite, the modules, and the three defensible-space zones.
06
Action Plan
Findings re-sorted into a prioritized to-do list, grouped by timeframe, from this week through next 90 days.

Download The Artifact

See exactly what the homeowner receives.

The PDF below is rendered from the same NGDS JSON shown in the appendix. It opens in your browser, so share the link with a carrier or a roofer to demonstrate the deliverable.

View Sample PDF Walk the Sample Flow

Phase 1 PDFs are unsigned. PAdES-LTV + C2PA signing ships in Phase 3 once a commercial X.509 cert is provisioned. Home Health Intel documents condition; the homeowner and their carrier handle the claim. (TX Ins. Code § 4102.)

Read the regulations

Showcase

Demo · Sample Report

What your homeowner walks away with.

A complete HealthIntel report, formatted in the NGDS schema underwriters already read. Scroll for the preview, then download the actual PDF.

HealthIntel Report

1234 Wildfire Lane

Austin, TX 78746 · Travis County

Wildfire-active assessment · prepared for renewal

Composite HealthIntel

What this score means

71/ 100

Grade

Risk Tier

How risk tiers map

Low (85–100, A/B), Moderate (55–84, B/C), High (40–54, D), Severe (0–39, F). Tier is what most carriers reference when they make underwriting decisions.

moderate

Confidence

What confidence reflects

How complete and well-tagged the photo evidence is. Lower confidence usually means missing sides or low-quality images, and re-shooting those photos raises confidence and can raise the score.

78%

Carrier of Record

Germania Mutual

Generated

Apr 22, 2026

Module Dashboard

FireIntel
Wildfire
Active
62
/ 100
C
StormIntel
Wind / Hail
Phase 2
71
/ 100
B
RoofIntel
Roof Condition
Phase 2
78
/ 100
B
WaterIntel
Flood / Water
Phase 2
95
/ 100
A

Top 3 Fixes For This Home

Action First

Start here. Score moves the most.

These are the three highest-severity findings from the report below. Resolving them tends to move the HealthIntel the most, and they’re typically the cheapest to address before renewal.

1criticalImmediate · 0–5 ft
Cedar tree within 5 ft of structure
Remove or relocate. Ashe Juniper carries highly volatile oils and is the primary wildfire fuel in the Hill Country. Maintain a minimum 10 ft clearance from any wall or eave.
2highRoof surface
Leaves and debris in gutters
Clean gutters and install 1/8" mesh gutter guards. Accumulated organic debris becomes ember fuel along the roofline and removes ember resistance the roof was rated for.
3highImmediate · 0–5 ft
Wood mulch against foundation
Replace wood mulch with gravel or stone within 5 ft of the structure on all sides. A non-combustible perimeter is the highest-impact change you can make.

Full severity-sorted findings, evidence photos, and the 30-/60-/ 90-day action plan continue below.

Aerial & County Context

Property in context.

Three defensible-space zones offset outward from your home’s footprint, the same zones every carrier rubric reads. Below, the FEMA county-level baseline for the same perils.

Aerial tile via Google Static Maps · zoom 19. Display-only per Maps TOS. Zones offset 5 / 30 / 100 ft outward from the structure footprint.

Immediate
0–5 ft
Intermediate
5–30 ft
Extended
30–100 ft

FEMA NRI · County Baseline

Wildfire

Relatively High

78.4 / 100

Strong Wind

Relatively Moderate

65.2 / 100

Hail

Relatively High

81.7 / 100

Riverine Flood

Relatively Low

41.3 / 100

Annotated Evidence

Your photos, with the zones, plants, and findings drawn on top.

Findings & Zones

Where the score is coming from.

Immediate · 0–5 ft
Non-combustible only.
6
/ 100

Findings (Severity-Sorted)

6 total

01criticalImmediate · 0–5 ft
Cedar tree within 5 ft of structure
Remove or relocate. Ashe Juniper carries highly volatile oils and is the primary wildfire fuel in the Hill Country. Maintain a minimum 10 ft clearance from any wall or eave.
02highRoof surface
Leaves and debris in gutters
Clean gutters and install 1/8" mesh gutter guards. Accumulated organic debris becomes ember fuel along the roofline and removes ember resistance the roof was rated for.
03highImmediate · 0–5 ft
Wood mulch against foundation
Replace wood mulch with gravel or stone within 5 ft of the structure on all sides. A non-combustible perimeter is the highest-impact change you can make.
04moderateVents
Non-screened soffit vents
Install 1/8" mesh ember-resistant vent screens (ASTM E2886). Open vents allow embers to enter the attic during a wind-driven fire.
05moderateIntermediate · 5–30 ft
Ladder fuels under tree canopy (back yard)
Limb up trees so the lowest branches are at least 6 ft above the ground and clear shrubs from beneath the canopy. Breaks ladder-fuel continuity.
06lowExtended · 30–100 ft
Dense King Ranch Bluestem in extended zone
Mow to 4" or replace with native grasses. Dry stands create continuous ground fuel during a Red Flag window.

Action Plan

Your prioritized to-do list.

This Week

01
Cedar tree within 5 ft of structure
criticalImmediate · 0–5 ft
Remove or relocate. Ashe Juniper carries highly volatile oils and is the primary wildfire fuel in the Hill Country. Maintain a minimum 10 ft clearance from any wall or eave.

Next 30 Days

02
Leaves and debris in gutters
highRoof surface
Clean gutters and install 1/8" mesh gutter guards. Accumulated organic debris becomes ember fuel along the roofline and removes ember resistance the roof was rated for.
03
Wood mulch against foundation
highImmediate · 0–5 ft
Replace wood mulch with gravel or stone within 5 ft of the structure on all sides. A non-combustible perimeter is the highest-impact change you can make.

Next 60 Days

04
Non-screened soffit vents
moderateVents
Install 1/8" mesh ember-resistant vent screens (ASTM E2886). Open vents allow embers to enter the attic during a wind-driven fire.
05
Ladder fuels under tree canopy (back yard)
moderateIntermediate · 5–30 ft
Limb up trees so the lowest branches are at least 6 ft above the ground and clear shrubs from beneath the canopy. Breaks ladder-fuel continuity.

Next 90 Days

06
Dense King Ranch Bluestem in extended zone
lowExtended · 30–100 ft
Mow to 4" or replace with native grasses. Dry stands create continuous ground fuel during a Red Flag window.

Evidence Manifest

Chain-of-custody, end to end.

Each capture is hashed at upload time. Anyone reviewing the report can verify the photos against the manifest, in the NGDS schema underwriters already read.

Immediate · 0–5 ft
e-001 · 15:08 UTC
62fe4d912462…
Roof surface
e-002 · 15:09 UTC
2ff6df652851…
Siding
e-003 · 15:10 UTC
39453d0529d5…
Intermediate · 5–30 ft
e-004 · 15:11 UTC
213bd9124213…

Total Photos

Hash Algorithm

SHA-256

Schema

NGDS 1.0.0

Generated

Apr 22, 2026

What’s Inside

Six pages, built to be read.

01
Composite + Module Dashboard
HealthIntel, grade, confidence, per-peril roll-up, and a plain-language executive summary up front.
02
Aerial View + FEMA NRI
Satellite tile of your home with three defensible-space zones drawn at 5 / 30 / 100 ft, plus FEMA county baseline for wildfire, wind, hail, and flood.
03
Zone Scores & Findings
Defensible-space zone breakdown plus every issue tied to its IBHS / NFPA rubric category, with the specific remediation that lifts the score.
04
Evidence Sheet
Photo thumbnails with SHA-256 chain-of-custody and a manifest summary so a carrier can verify the bundle is unmodified.
05
How To Read Your HealthIntel
Plain-language guide to the composite, the modules, and the three defensible-space zones.
06
Action Plan
Findings re-sorted into a prioritized to-do list, grouped by timeframe, from this week through next 90 days.

Download The Artifact

See exactly what the homeowner receives.

The PDF below is rendered from the same NGDS JSON shown in the appendix. It opens in your browser, so share the link with a carrier or a roofer to demonstrate the deliverable.

View Sample PDF Walk the Sample Flow

Read the regulations