SAMPLE FILE · NOT A REAL HOMEOWNER

The same file, one year on.

This is the artifact you just started — matured. On Watch, your file keeps building: every review, re-check, radar catch, and fix gets recorded, dated, and kept ready for your insurer. Here's what a year of that looks like.

THE RECORD · 12 MONTHS
MONTH 1 · FILE OPENED
Parcel located · Evergreen, Jefferson County
MONTH 1 · LAW REGIME
Colorado: four wildfire-score rights apply (C.R.S. § 10-4-124)
MONTH 1 · SCORE LOGGED
Summit Mutual (sample) · 82 / 100 (High)
MONTH 1 · NOTICE AUDIT
3 of 5 required disclosures present — 2 missing, logged as leverage
MONTH 2 · EVIDENCE
Class A roof + ember-resistant vents documented to IBHS WPH
MONTH 2 · APPEAL DRAFTED
Letter built in the carrier's own filed language
MONTH 2 · APPEAL SENT
Sent in your name — 10-day acknowledgment clock started
MONTH 3 · RESCORE-ELIGIBLE
Completed work qualified for a 30-day rescore (§ 10-4-124(7)(d))
MONTH 5 · RADAR
Satellite check flagged possible regrowth in a defensible zone — your photo cleared it
MONTH 7 · MONEY
A county mitigation program opened — up to $625 matched to your file
MONTH 9 · RENEWAL REVIEW
Policy re-checked before rollover; evidence refreshed and re-dated
MONTH 12 · ANNUAL
Status current — proof kept ready for your insurer (Reg 5-1-28 § 5.F)
THE ARTIFACT · TODAY
Your parcel
18 Ponderosa Way, Evergreen, CO 80439
Jefferson County
0–5 ft · noncombustible5–30 ft · defensible30–100 ft · thinned
Colorado: your insurer must disclose the wildfire score behind your rate and give you the right to appeal, rescore, and claim mitigation discounts.
SituationRenewal price jumped
Summit Mutual (sample)10-day ack · 30-day decision · discount list required by law
NoticeSummit Mutual (sample) · notice on file
Notice audit3/5 required elements
EvidenceClass A fire-rated roof
EvidenceEmber-resistant vents
EvidenceNoncombustible 0–5 ft zone
EvidenceZones 1 & 2 managed
EvidenceIBHS Wildfire Prepared Home
As of this quartercomplaint ratio 1.2× the state average
VerdictWorth contesting

You never start from scratch again. When your score is re-run or your policy rolls over, the file is already built — dated, documented, and yours.