The insurance villain
finally has to listen.
State Farm dropped 17-year customers. Allstate jacked premiums 140%. The Colorado FAIR Plan just opened — and they want documentation. Backburn writes it for you using the same wildfire risk data the insurers use against you.
If you live above 7,000 feet, you already know.
"State Farm just dropped me after 17 years. House is in Evergreen, zero claims." — r/Denver, posted last week
"Premium went from $2,400 to $5,800. No claims history. They couldn't explain why." — r/ColoradoSprings
"We applied to the FAIR Plan. Three months in, still no answer." — Nextdoor, Conifer
The insurance industry built risk-scoring models that flag your home as a liability. But the same data — properly documented — proves the opposite. That's the gap we close.
From "we're dropping you" to a documented case in 90 seconds.
Describe your home
Address, ZIP, roof, siding, deck, tree distance. No login, no card. The free preview is real.
We model the risk
Colorado WUI zones, NFPA 1144 fuel models, IBHS Wildfire Prepared criteria, and Colorado FAIR Plan eligibility — all evaluated against your specific parcel.
You get the dossier
Insurer-formatted PDF: risk score, mitigation plan with cost estimates, photo evidence template, negotiation letter, FAIR Plan packet. Submit it. Keep your policy.
Insurers reward documented mitigation. Most homeowners never get a chance to provide it.
Less than 10% of what a mitigation consultant charges.
- WUI risk zone for your address
- 1-page summary
- Top 3 hazards identified
- Full insurer-grade PDF dossier
- NFPA 1144 + IBHS formatted
- Colorado FAIR Plan application packet
- Photo evidence template
- Personalized negotiation letter
- Contractor referrals (CO mountain counties)
- Annual dossier re-audit
- Non-renewal early warning
- Auto-updates for insurer format changes
- Priority support
For comparison: a Colorado wildfire mitigation consultant charges $800–$2,000 for a one-time on-site visit. Backburn does not replace a licensed inspection — it delivers the documentation insurers expect to see alongside one.
Questions Colorado homeowners actually ask
Will this guarantee my insurer keeps me?
No — and any product that promises that is lying. What Backburn does: produces the same documentation IBHS Wildfire Prepared inspectors produce, but homeowner-prepared. Insurers explicitly reward documented mitigation with discounts (5–25% per IBHS data). The dossier gives you the strongest possible case to make.
What if I'm already getting dropped?
The Pro dossier includes a Colorado FAIR Plan application packet pre-filled with your mitigation data. The FAIR Plan is the state's insurer-of-last-resort, created by HB23-1295. Documentation is the #1 cause of delayed FAIR Plan approval — Backburn solves that.
Is this just an AI tool? Can I trust it?
Yes, it's AI — and yes, you can trust it for what it is: structured documentation aligned with NFPA 1144 and the IBHS Wildfire Prepared Home standard. It is not a substitute for a licensed on-site inspection. Many homeowners use Backburn first, then hire an inspector to validate. The dossier itself is the durable artifact.
I haven't done any defensible space work. Is this still useful?
Especially useful. The mitigation plan in your dossier becomes your roadmap — what to do, in what order, with cost estimates. You can phase the work and document each step. Insurers and the FAIR Plan accept incremental progress dossiers.
What data sources do you use?
Colorado State Forest Service WUI maps, NFPA 1144 fuel models, IBHS Wildfire Prepared Home criteria (2024 update), HB23-1295 FAIR Plan eligibility rules, and Colorado Department of Insurance public premium filings.
What if I'm not in Colorado?
Today, Backburn is Colorado-only — that's where the FAIR Plan, the regulatory framework, and the immediate crisis are. We're expanding to California, Oregon, Arizona, and Washington in 2026.
Run your free dossier preview now.
90 seconds. No card. The villain has to listen this time.
Generate my dossier preview →