Wildfire Risk Mitigation

Your defensible space.
Documented. Certified. Insurable.

When insurers exit fire-zone markets or spike premiums, you lose — unless you can prove your property is a calculated risk, not a gamble. ClaimDefend delivers the professionally formatted, photo-documented assessments that underwriters actuarially reference.

Initial inspections from $350 · Monitoring from $150/month

The Process

From inspection to insurance submission in three steps

We handle the documentation end-to-end — you get a professionally formatted, photo-rich report ready for your insurer.

01
Schedule Your Inspection

Book a certified on-site assessment at your property. Our inspectors evaluate defensible space, ignition-resistant construction, and vegetation management — the exact factors insurers underwrite against.

02
Receive Your Report

Within days, you receive a comprehensive property assessment including photographic evidence, risk scoring, and a detailed defensible-space classification. This is not a checklist — it is a document underwriters reference.

03
Submit to Your Insurer

Use your ClaimDefend report to contest a premium increase, respond to a non-renewal notice, or demonstrate sustained mitigation for an existing policy. We format it to meet carrier documentation standards.

The Stakes

insurers are leaving. Legislation is changing. The gap is opportunity.

2.7M+California homes in high-risk fire zones facing insurer non-renewals
$10,000+Average premium spike when coverage is restored through FAIR Plan
HB 1182Colorado law requiring insurers to credit documented mitigation efforts
350+Inspection reports delivered to date across fire-prone regions

Why generic compliance isn't enough

Government-mandated defensible space forms satisfy regulators — not underwriters. Insurers require a higher standard: professionally formatted documentation with photographic evidence, risk classification, and an auditable paper trail tied to your specific property address.

What ClaimDefend delivers

  • On-site inspection by a certified wildfire mitigation assessor
  • Photo-documented defensible space and hardening verification
  • Risk scoring mapped to insurer underwriting criteria
  • Professionally formatted report formatted for carrier submission
  • Ongoing monthly monitoring for sustained policy positioning

Pricing

Simple, transparent pricing

No surprise fees. No per-item billing. One comprehensive report, then an optional monthly contract for sustained documentation.

Initial Inspection
Comprehensive on-site assessment with full documentation
$350–$500One-time fee · varies by property size
  • Certified on-site inspection
  • Photo-documented defensible space audit
  • Risk classification report
  • Insurer-ready PDF documentation
  • Digital delivery within 5 business days
Monthly Monitoring
Optional
Ongoing documentation to demonstrate sustained mitigation
$150–$200Per month · cancel anytime
  • Quarterly photo re-inspection
  • Updated risk scoring each quarter
  • New documentation for insurer resubmission
  • Priority scheduling for policy reviews
  • Direct line to your assessor

Have questions? Email us for a property-specific quote.

Don't let your insurer make the decision for you

A documented mitigation property is an insurable property. Get your professionally certified assessment before your next renewal notice.

claimdefend@polsia.app · Response within 1 business day