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Concerned About Wildfire Exposure?

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See how wildfire risk assessment works… Assess your property according to four risk factors. Answer four quick questions to see how concerned you should be about your wildfire risk.

FREE WILDFIRE HAZARD ASSESSMENT

A comprehensive wildfire assessment evaluates all four risk factors.

What FUEL SOURCES exist in the area and how far could a wildfire spread? Consider wind and drought conditions.

How likely is it for a wildfire to occur in the area? Consider both natural and man-made IGNITION SOURCES.

 

Are there any community or construction features that affect the property’s SUSCEPTIBILITY to wildfire?

Are there any HAZARDS in the area that make structure protection more dangerous or more difficult?

What’s Your Risk?

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FREE WILDFIRE HAZARD ASSESSMENT: FUEL

Select the image below which best describes the vegetation (fuel) in your neighborhood.

FREE WILDFIRE HAZARD ASSESSMENT: IGNITION SOURCES

Select the image below which best describes the wildfire history in your area.

FREE WILDFIRE HAZARD ASSESSMENT: SUSCEPTIBILITY

Select the image below which best describes the construction features of your neighborhood.

FREE WILDFIRE HAZARD ASSESSMENT: HAZARDS

Select the image below which best describes fire protection services in your area.

YOUR WILDFIRE HAZARD ASSESSMENT SCORE

You have scored:

Got Risk? Been Non-Renewed? Get PhiChi!

PhiChi is a comprehensive Wildfire Composite Score that gives YOU, the property owner, information that was once only available to insurance industry insiders. See exactly where your wildfire risk is, and how you can mitigate that risk. To avoid losing coverage or to qualify for premium discounts, purchase your PhiChi score now!

Mitigation Matters! Use the slider to see what can be done to mitigate this property’s wildfire risk.

Got Insurance Problems?

Consumer

Current wildfire models are black boxes that prevent property owners from identifying mitigation actions to reduce their risk.

Low risk policies are often non-renewed and sent to the FAIR plan in error due to inaccurate wildfire risk assessment tools. FAIR Plan policies exclude important coverages like water damage, liability, and theft.

Industry

Insurance companies are not renewing homes in wildfire areas because of profit concerns caused by recent wildfires. High risk policies are not offered the chance to remediate and, instead, are sent to the FAIR plan where extreme risk levels are accepted. Carriers will bear the burden of claims that exceed the FAIR plan’s ability to pay creating instability in the market as carriers withdraw from the state.

Regulatory

Market instability has triggered regulatory action as legislators seek answers to the availability crisis in California. New notice requirements and assistance hot lines have been established to assist affected property owners.

Our Solutions

  • Inform and Educate

    Through transparency, property owners are armed with information and empowered to reduce their exposure.

  • Assist and Advocate

    Consumers who are losing insurance because of their wildfire risk are provided documentation of risk levels before and after mitigation actions are taken.

  • Empower and Monitor

    Educated and informed property owners will have enough knowledge to create and follow a fuel maintenance and wildfire mitigation plan.

Drive Industry Change through
the Consumer

No more black boxes. Our model is transparent to consumers, regulators, carriers, and our competitors. By arming property owners with the knowledge and ability to reduce their exposure to wildfire damage, we empower the industry to find new ways of evaluating wildfire risk.

Encourage Community Interaction
for Wildfire Safety

We involve entire neighborhoods in community education and wildfire mitigation efforts to reduce the impact of future catastrophes.

Research & Coordinate with Public
Safety Officials

We bridge the gap between industry information and risk mitigation efforts in response to Fire Department inspections.

Request Underwriting Reconsideration

We are wildfire mitigation specialists and we assist by drafting appeal letters to underwriters to advocate for reconsideration in light of new information and completed mitigation efforts.

Expose Wildfire Assessment Model Shortfalls

Through the Underwriter Appeal process, carriers are introduced to more sophisticated and accurate methods of wildfire risk assessment.

Involve Department of Insurance

If necessary, we will advocate for you and open a formal Request for Assistance with the Department of Insurance on your behalf.

Encourage Fire Safety Pride

We build community by sponsoring annual events that build residents’ commitment to fire safety and neighborhood readiness.

Trust, but Verify

We enable insurance companies to monitor current wildfire exposures with automated underwriting tools, customized alerts, and property-specific insights.

Wildfire Maintenance Plan

We provide the tools you need to create your specific property’s wildfire mitigation and maintenance plan according to National Fire Protection Agency standards.

Empower and Monitor

Knowing that consumers have all of the information at hand applies pressure to insurance agents to provide solutions for their communities.

What's driving my risk score?

Black Swan Analytics LLC’s proprietary wildfire risk assessment tool will generate easy to understand results to provide insight into primary drivers of overall risk levels, so mitigation recommendations can be identified.

How do I reduce my risk?

We provide recommendations based on the property’s characteristics, the surrounding area, and model results.
PhiChi wildfire risk score

Mitigation Matters!

These graphs show where mitigation has impacted risk level, reducing scores in all four categories. Susceptibility was reduced by more than 50%! Hazards went down 15 points (a reduction of more than 30%), and Ignition Sources were down from 47 to 38 (a reduction of approximately 20%).

Consumer Channel

SCORE

MITIGATE

CERTIFY

ADVOCATE

Industry Channel

SCORE

ANALYZE

PRICE

MONITOR

Protect your home or property…
Purchase a   Wildfire Risk Assessment

One-Time   Wildfire Risk Assessment

$89

Protect your home or property…
Purchase a   Wildfire Risk Assessment

One-Time   Wildfire Risk Assessment

$89

BOGO! Add a Post Mitigation Assessment for Just $40!

$129

What are the experts saying?

Frequently Asked Questions

A non-renewal notice is required by statute if an insurance company decides not to offer a renewal policy at expiration. Most states require the insurance company to give homeowners at least 45 days’ notice. In some areas, the notice requirement has been extended to 75 days.

 

Ask your broker or agent which state-regulated notice requirement applies in your area or check your state’s Department of Insurance website. If proper notice has not been given, the insurance carrier may be forced to extend your policy until the full notice period has expired or until the end of the next term.

If you have already received a Notice of Non-Renewal, your insurance company expects you to find coverage elsewhere before your next renewal (or prior to the end of your current policy). That isn’t your ONLY option.

 

Property owners can request reconsideration from the underwriting department and appeal the decision to non-renew. It is possible for the insurance carrier to rescind the non-renewal and grant coverage for another year if you can demonstrate your risk is not excessive.

Black Swan Analytics LLC has assessment tools to identify possible risk reduction methods. We can assist with prioritizing which actions will make the biggest impact, so you get the biggest possible bang for your mitigation bucks.

 

Smart carriers recognize that property owners have the ability to reduce wildfire risk, and offer financial incentives for various mitigation projects. It’s definitely worth shopping around if you’re a preferred risk who has taken all of the necessary steps to reduce your exposure to loss.

FAIR Plans are private organizations created by statute to provide limited property insurance in 29 states, including California. FAIR stands for Fair Access to Insurance Requirements. The FAIR plans were created in 1968 following extensive brush fires and the Watts Riots.

 

Each FAIR Plan is an insurance pool established to provide basic property insurance to people who own property and who, for reasons beyond their control, have been unable to obtain insurance in the voluntary insurance market.

 

The FAIR Plan is backed by the insurance companies doing business in the state in which they operate. FAIR plans are not state agencies. There is no public funding, or taxpayers’ monies involved.

 

Most importantly for you and your family, the FAIR Plan DOES NOT PROVIDE FULL COVERAGE. Policyholders of FAIR Plans need to purchase multiple policies to obtain complete protection.

Show the carrier you’ve taken every possible mitigating action to reduce your wildfire risk . Generate a wildfire composite score for your property using the PhiChi wildfire risk scoring tool. Forward your property’s PhiChi score to your carrier as documentation of the actual wildfire risk and proof of mitigation.

 

Carriers will have a difficult time justifying a non-renewal when a property owner has done everything within their power to reduce the risk to their property. Should your insurance carrier not withdraw their non-renewal notice, you can request assistance from the state’s Department of Insurance.

A non-renewal notice is required by statute if an insurance company decides not to offer a renewal policy at expiration. Most states require the insurance company to give homeowners at least 45 days’ notice. In some areas, the notice requirement has been extended to 75 days.

Ask your broker or agent which state-regulated notice requirement applies in your area or check your state’s Department of Insurance website. If proper notice has not been given, the insurance carrier may be forced to extend your policy until the full notice period has expired or until the end of the next term.

FAIR Plans are private organizations created by statute to provide limited property insurance in 29 states, including California. FAIR stands for Fair Access to Insurance Requirements. The FAIR plans were created in 1968 following extensive brush fires and the Watts Riots.

 

Each FAIR Plan is an insurance pool established to provide basic property insurance to people who own property and who, for reasons beyond their control, have been unable to obtain insurance in the voluntary insurance market.

 

The FAIR Plan is backed by the insurance companies doing business in the state in which they operate. FAIR plans are not state agencies. There is no public funding, or taxpayers’ monies involved.

 

Most importantly for you and your family, the FAIR Plan DOES NOT PROVIDE FULL COVERAGE. Policyholders of FAIR Plans need to purchase multiple policies to obtain complete protection.

If you have already received a Notice of Non-Renewal, your insurance company expects you to find coverage elsewhere before your next renewal (or prior to the end of your current policy). That isn’t your ONLY option.

 

Property owners can request reconsideration from the underwriting department and appeal the decision to non-renew. It is possible for the insurance carrier to rescind the non-renewal and grant coverage for another year if you can demonstrate your risk is not excessive.

Show the carrier you’ve taken every possible mitigating action to reduce your wildfire risk . Generate a wildfire composite score for your property using the PhiChi wildfire risk scoring tool. Forward your property’s PhiChi score to your carrier as documentation of the actual wildfire risk and proof of mitigation.

 

Carriers will have a difficult time justifying a non-renewal when a property owner has done everything within their power to reduce the risk to their property. Should your insurance carrier not withdraw their non-renewal notice, you can request assistance from the state’s Department of Insurance.

Black Swan Analytics LLC has assessment tools to identify possible risk reduction methods. We can assist with prioritizing which actions will make the biggest impact, so you get the biggest possible bang for your mitigation bucks.

 

Smart carriers recognize that property owners have the ability to reduce wildfire risk, and offer financial incentives for various mitigation projects. It’s definitely worth shopping around if you’re a preferred risk who has taken all of the necessary steps to reduce your exposure to loss.