Insurance Professionals
Streamlining the underwriting process
The Guardian program is designed to aid insurance professionals in streamlining the underwriting process by integrating precise, on-ground data into risk assessments. This improvement in risk evaluation accuracy is designed to facilitate more competitive and accurately priced policies, reduce claims losses, and enhance customer satisfaction. Ember Defense’s methodologies include, but are not limited to, IBHS’s “Wildfire Prepared” designation, Fair Plan’s AB38, and are customizable to fit underwriter specific criteria. Our white labeled deliverables offer a clear and accurate analysis so markets can offer policies that are not only fair but also reflective of the actual wildfire risks properties face, enhancing their portfolio's stability and profitability. Guardian serves as a critical tool in an insurer's arsenal.
Key Features
How It Works
1
Initial Contact
A broker, MGA, carrier, or underwriter contacts Ember Defense with accounts requiring comprehensive wildfire risk evaluations.
2
Evaluation and Reporting
Ember Defense promptly deploys to the site, conducts a thorough evaluation, and generates a detailed report outlining various mitigation options.
3
Mitigation Execution
Collaboration with Property Owner
Ember Defense collaborates with the property owner to decide on a course of action based on the evaluation.
Scope of Work and Contractor Engagement
Once the mitigation measures are agreed upon, Ember Defense drafts a detailed scope of work and facilitates its execution by coordinating with vetted contractors from our network. This includes ongoing quality assurance to ensure the mitigation efforts are up to the set standards.
4
Insurance-Focused Documentation
Property Executive Summary
Ember Defense creates a customized property executive summary tailored to meet specific insurance data requirements, including achieving the IBHS Designation.
Bi-Annual Updates
There is an option for Ember Defense to return to the property bi-annually to update reports and ensure that the conditions remain compliant with insurance standards.
What Separates Us from the Competition
At Ember Defense, our unique blend of expertise, personal experience, and dedicated service sets us apart in the wildfire mitigation and insurance landscape. Here's why we stand above the rest:
Fire Professionals
We employ seasoned firefighting personnel who understand the dynamics and dangers of both urban and wildfires firsthand.
Construction Professionals
Our Ember Certified Network contains experts in building and structural safety, ensuring that all mitigation measures are not only effective but also sustainable.
Insurance Professionals
Our specialists have actual experience in binding coverage and understanding the intricacies of the insurance process.
Get In Touch
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