Property Guardian delivers wildfire analytics that enable underwriters, carriers, MGAs, and real estate to profitably select, price, mitigate, and monitor risk — driving portfolio performance, proactive loss control, and growth in wildfire-exposed markets.

What sets Property Guardian apart isn’t just tech, it’s their team: seasoned underwriters, data scientists, meteorologists, arborists, certified wildfire-mitigation specialists, and veteran hotshot firefighters, plus exclusive partnerships with leading modeling/data firms. Together, they provide carrier-grade decision support that improves loss ratios, accelerates decisions, and stands up to scrutiny.

Risk & Mitigation Insights
Go beyond static hazard maps with analytics and expert guidance:

• Wildfire Recurrence Score: Proprietary, composite metric estimating time until the next event at a location from historical activity and local vegetation.
• Wildfire Resiliency Score: Property-specific vulnerability and exposure across structure, parcel, community, and region.
• Wildfire Risk Insights Reports: Underwriting-ready mitigation and risk detail for commercial, residential, and specialty risks in a single report.

Active Wildfire Intelligence
Pre-event modeling and 1–14-day spread forecasts for precise moratoriums, proactive loss control, and reporting:

• Property Guardian Overwatch: Multi-peril monitoring (wildfire & hurricane) with location-specific impact signals to anticipate events, allocate resources, and manage aggregations.
• Moratorium Insights: API-ready five-day spread forecasts fusing weather, fuels, and terrain — updated daily to reflect suppression — for rapid ZIP code impacts and clearance of contained areas.

Portfolio Optimization
Expose hidden accumulations and high-impact mitigation opportunities to improve balance and profitability.

Real Estate Transaction Confidence
Property Guardian InsurAble (web app & API) gives realtors, buyers, and sellers clear views of insurability and wildfire risk.