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Insurance verified Verified Outcome TRL 9

Wildfire Defense Service Integration

domain Client: High-Net-Worth Homeowners handshake Provider: Internal / Wildfire Defense Systems schedule Deploy: 2018-Present
95 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: Very High

Executive Summary

ANALYST: COI RESEARCH

A service-led insurance model where the insurer deploys private firefighting crews to policyholder homes during active wildfires to perform preventative mitigation.

rate_review Analyst Verdict

"The gold standard for 'active' insurance. By intervening physically to prevent the loss, the insurer aligns its incentives perfectly with the homeowner, shifting from financial restitution to asset preservation."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

In wildfire-prone regions (e.g., California), total loss scenarios were becoming uninsurable due to frequency and severity. Simply raising premiums was unsustainable. Homeowners faced the emotional and financial devastation of losing irreplaceable homes, which a check could not fix. Public resources were often overwhelmed during mega-fires.

psychology The Solution

Included 'Wildfire Defense Services' in high-value policies. When a wildfire approaches, the insurer monitors the threat and deploys certified private firefighter teams to the property. These teams remove combustibles, tape vents, and apply fire-blocking gel to the structure *before* the fire arrives. If the home survives, the claim is avoided entirely.

settings_suggest Technical & Deployment Specs

Integrations
Fire Mapping Data
Deployment Model
Service Delivery
Data Classification
Property / Location
Estimated TCO / ROI
High (Operational cost)
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Access Rights Medium Pre-enrollment consent forms.
Safety Liability High Strict protocols on crew withdrawal.

trending_up Impact Trajectory

Audited value realization curve

Significant reduction in total loss claims in treated areas Verified Outcome
Primary KPIExtremely high customer NPS
Audit CyclePreservation of housing stock

policy Compliance & Gov

  • Standards: State Insurance Depts
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Property / Location

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for High-Net-Worth Homeowners without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-553
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-553

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