For carriers and brokers · Orange County, California
We close wildfire bind conditions on your behalf.
WMS runs a white-glove mitigation program for insurers writing high-value homes with medium-to-high wildfire risk. We inspect the home, complete the required mitigation work, and return a verified certification report to your underwriting team.
What we do
Program management for mitigation-dependent policies. We inspect each home for wildfire risk, execute the mitigation work with vetted crews, and certify completion back to the insurer. Every year, we recertify.
Who we serve
Insurers and brokers writing homes valued above $3 million with medium-to-high wildfire risk, where mitigation is a condition of binding or renewal.
Where we serve
Orange County, California. Work is completed by WMS inspector-coordinators based in the county, with expansion to further ZIP codes as programs scale.
The gap in the market
Underwriters can inspect and recommend. Nobody owns getting the work done.
A conditional bind hands the policyholder a list of to-dos and no referrals. They hire four or five separate contractors, your team chases compliance for a year, and the condition is often still open at renewal.
TodayPolicyholder sources the work
With WMSRate-carded exterior work
Client experience
Your most valuable policyholders get a chore, then a year of reminders.
Administrative drag
Your team spends the year following up and sending reinspectors.
Carried risk
The policy is priced as if the work is done while the condition is still open.
The program
Your underwriting process stays the same. WMS takes over at the bind condition.
You score, underwrite and bind with conditions as you do today. We complete and verify the work, then recertify it every year for as long as you insure the home.
- Day 0
Intake
You route the condition list and send a notice to the policyholder.
- Days 1–7
Scope visit
We inspect the site and scope the work required.
- Day 7
One approval
The policyholder approves one scope and one price off your approved rate card.
- Days 7–45
Execution
Vetted, discreet crews complete exterior work. No entry to the home.
- Days 45–60
Verification
Certification report delivered to your underwriting team.
- Annual
Recertify
Every condition rechecked; anything that slipped is corrected and reported.
Day counts are program targets for rate-carded exterior work. Items that need a permit or HOA approval, and structural work such as roofs and windows, run on their own quoted schedule. If a policyholder declines or stalls, you hear about it within weeks, well before renewal. The bind decision always stays with you.
Specified against published standards
Work is scoped and verified item by item.
WMS specifies and verifies against the IBHS Wildfire Prepared Home checklist by default, using the mitigation vocabulary set by California's Safer from Wildfires regulation (CDI Reg. 2644.9), which requires admitted carriers to reflect twelve mitigation factors in rating.
Completion records are structured item by item, so they can feed your wildfire scoring models.
| Area | Typical bind condition |
|---|---|
| Zone 0 · 0–5 ft | Remove combustible mulch and vegetation; replace with gravel or hardscape |
| Zones 1–2 · 5–100 ft | Defensible space and vegetation management; high-hazard tree removal |
| Roof & gutters | Metal mesh gutter guards; Class A roof where required |
| Vents | 1/8 in. metal mesh screening or ember-resistant vent replacement |
| Eaves & soffits | Enclose eaves and fill gaps with ignition-resistant materials |
| Fencing | Noncombustible 5 ft of fence at each structure connection |
| Access | Reflective address signage and Knox box |
| Structural | Tempered dual-pane windows, noncombustible siding, deck replacement (quoted per site) |
Economics
Mitigation that is actually completed is mitigation you can price.
An open condition leaves a high-value policy priced on work that has not happened. A verified record closes that gap, protects retention on your largest accounts, and removes the follow-up from your team.
Target from intake to verified mitigation, against roughly twelve months today.
WMS program targetReduction in mitigation delays from a team dedicated to completing the work.
WMS program targetSocietal savings for every dollar spent on natural hazard mitigation.
National Institute of Building SciencesMitigation factors California admitted carriers must reflect in wildfire rating.
CDI Reg. 2644.9Covers inspection, managing conditions to closure, annual recertification and data back to underwriting.
Benchmarked rates you approve in advance. The invoice arrives with the policy paperwork; no back-and-forth of quotes and deposits.
Payment and a 10% contingency sit with a neutral funds-control party. Unused contingency is refunded on certification. Money never passes through you.
Licensed and insured, one contract, one-year warranty, and a single point of contact for you and your client throughout.
Questions from carriers and brokers
Frequently asked questions
What does Wildfire Mitigation Services (WMS) do?
WMS runs a white-glove wildfire mitigation program for insurers writing high-value homes. We inspect the home, complete the mitigation work required by the insurer's bind conditions with vetted crews, return a verified certification report to the underwriting team, and recertify the home every year for as long as the insurer covers it.
Who does WMS work with?
WMS works with private client insurers and brokers writing homes valued above $3 million with medium-to-high wildfire risk, where mitigation is a condition of binding or renewal. We currently serve Orange County, California.
How long does it take WMS to close a wildfire bind condition?
Our program target is 60 days from intake to verified mitigation for rate-carded exterior work, against roughly twelve months today. Items that need a permit or HOA approval, and structural work such as roofs and windows, run on their own quoted schedule.
What wildfire mitigation work does WMS cover?
Typical bind conditions we scope and complete include Zone 0 clearing within 5 feet of the home, defensible space and vegetation management in Zones 1 and 2, metal mesh gutter guards, ember-resistant vents, enclosed eaves and soffits, noncombustible fencing at structure connections, address signage and Knox boxes, and structural items such as tempered dual-pane windows, noncombustible siding and deck replacement quoted per site.
What standards does WMS verify against?
WMS specifies and verifies against the IBHS Wildfire Prepared Home checklist by default, using the mitigation vocabulary of California's Safer from Wildfires regulation (CDI Reg. 2644.9), which requires admitted carriers to reflect twelve mitigation factors in wildfire rating. Completion records are structured item by item so they can feed carrier scoring models.
How is the WMS program paid for?
The insurer pays a flat program fee per policy that covers inspection, managing conditions to closure, annual recertification and data back to underwriting. The policyholder receives one invoice for the mitigation work at benchmarked rates the insurer approves in advance, with funds held by a neutral funds-control party.
Does the insurer still make the bind decision?
Yes. Your scoring, underwriting and binding process stays the same. WMS takes over at the bind condition, completes and verifies the work, and flags any policyholder who declines or stalls within weeks, well before renewal. The bind decision always stays with you.
Contact us · Orange County insurers and brokers
Add WMS to your wildfire underwriting workflow.
If you write high-value homes in Orange County with wildfire bind conditions, we can take those conditions off your team's plate. Get in touch to talk through how WMS fits alongside your scoring, underwriting and renewal process.
- Intro callWe learn how you score, bind and track wildfire conditions today, and where follow-up stalls
- FitWe map your common conditions to our scope and agree a rate card and program fee in advance
- Hand-offYou route conditionally bound policies to WMS with a notice to each client. Your systems stay as they are
- ReportingA certification report for every home, stalls flagged within weeks, and annual recertification