Wildfire and fire mitigation in Northern Colorado

If you got a non-renewal notice, read this first.

You're not the only one, you didn't do anything wrong, and it's not permanent.

Carriers have been re-scoring wildfire exposure across the Front Range. A lot of houses that were fine for twenty years are now scored differently, and the letter arrives without a phone call. It feels personal. It isn't.

What actually moves the score

Most of it is the first five feet around your house, and most of it is free or close to it.

The zone against your walls. Gravel or bare soil instead of mulch. Nothing stored under the deck. No juniper against the siding.

Your roof and your gutters. Embers travel a long way ahead of a fire and land in gutters. Most houses that burn in a wildfire aren't touched by the fire itself.

Your vents. Ember-resistant screening is a cheap change that inspectors actually look for.

Defensible space out to thirty feet, and again to a hundred.Spacing, not clearcutting. Nobody is asking you to remove your trees.

Your address, visible from the road. It sounds trivial. It is not trivial to the truck.

Why we're telling you this instead of quoting you

Because the work comes first. If your property scores badly, a quote is a waste of your afternoon. If you do the mitigation and document it, you have something to bring to an underwriter, and that changes the conversation.

Take photos. Keep receipts. If you're in a county with a mitigation program, get the paperwork.

What we'll do

Call us and tell us where you are and what the letter said. We'll tell you what we think is workable and what isn't. If we can't write you, we'll tell you that on the first call instead of the third.