About evenstate
Updated August 2026
- We're on the homeowner's side of the table — independent, and no insurer pays us.
- We help you see your wildfire score, contest what's wrong, document what's real, and stay insurable.
- A person reviews every document we produce.
This summary is for convenience only; the full text below is what governs.
evenstate exists for one reason: the homeowner should not be the only party at the table without the numbers.
We turn what you've documented into the appeal the law requires your insurer to answer — built to their evidence standard, filed in your name, and tracked against every deadline they're legally bound to meet.
And whatever you decide to do, the file we build is yours. Everyone else keeps a fileabout your house: your insurer’s model, the data brokers, the vertically-integrated brokers. We keep one for you: legible to you, owned by you, and it leaves with you and conveys with the home. Insurers keep a file on your house. This one is yours.
Why we exist
There is a wildfire risk score attached to your home that helps decide what you pay — and whether you’re offered coverage at all. For years you couldn’t see it. A new wave of state laws is changing that, and evenstate is built to help you actually use those rights: read the score, appeal what’s wrong, document your fire-safety work, and keep that proof current.
How we’re different
We don't sell you insurance or do your roof — we have no stake in the outcome.
evenstate is an independent homeowner advocate. We are not an insurance company and no insurer pays us to influence your results.
evenstate does not sell, underwrite, or issue insurance policies.
We make money three honest ways: flat fees for the work we do (disclosed up front), an annual membership that keeps your file current, and — when you ask us to — a referral fee from the agency that places your coverage, always disclosed. No insurer pays us to shade your results.
A person reviews every file
Every document we produce — your audit, your appeal letter, your placement snapshot — is reviewed by a human before it’s yours. It carries a signature line to prove it: Reviewed by the evenstate team.
Who’s behind it
[Founder background goes here — the person behind evenstate, why this work, what they bring to it.]
Talk to us
Questions, feedback, or a hard case? support@evenstate.ai. Start a free file anytime at evenstate.ai.
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