Path to insurability
Take a declined home to an insurable score.
This home starts at a risk score of 81, outside the appetite line. Toggle retrofits to apply each one’s modeled effect and published California cost. The simulator recalculates the score and shows when it clears the threshold.
Retrofit simulatorModeled illustration · effect registry v1.0.0
Every retrofit effect here is produced by our model, not a lookup table.
Location fixed · P(fire arrives) 2.46% / yr · Severe · arrival probability fixed · rings compressed
Above thresholdStandard appetite
81
Severe
opened 81
STD 51E&S 68
P(destroyed | fire)0.810
Expected annual loss$26,913
Retrofit spend, midpointsNone applied
Spend rangeNone applied
Carrier appetite · API defaults
Modeled risk by retrofit costSelected sequence
Available retrofit controls0 / 7 applied
Structure
Defensible space
Zone 0 + Zone 1 are cataloged together at $1,000–$5,000 (the split shown is a working allocation) and apply the registry’s joint prior (-0.90) rather than the -1.20 arithmetic sum. Zone 2 carries no catalog price.
Get access
Apply retrofit analysis to a declined book.
Identify addresses near the appetite threshold and return the available retrofit sequence, modeled effect, and cost range for each one.