Insurers have models, adjusters, and lawyers. Homeowners have evenstate.
The score showed up. Nobody explained it.
A growing number of states now require insurers that use a wildfire model to disclose your score. It sets your premium, and sometimes whether you're covered at all. Most homeowners are seeing theirs for the first time, with no idea what's in it or whether it's right.
Scores are often wrong, and now you can challenge them.
Models miss your new roof. They use old photos from before you cleared the trees. The law gives you the right to appeal, but an appeal only works when the evidence is in the exact form your insurer's own rules recognize. That's the part we build for you.
When the score is right, the fix is real, and often paid for.
If the risk is genuine, we turn it into a plain checklist, vents, roof, the first five feet, weighted against the IBHS Wildfire Prepared Home standard, the industry benchmark insurers recognize. Your county likely has grant money for it, so we look there first and will even help with financing if there's a gap. Do it yourself, use your contractor, or use ours.
Then we keep it true, so the discount doesn't quietly lapse.
Mitigation fades. Shrubs grow back. A one-time certificate goes stale, and your discount goes with it. evenstate watches your property and your policy year-round, so your verified status stays verified, and your insurer knows it.