Homeowners can't determine if their insurance actually covers wildfire damage until disaster strikes

Homeowners in wildfire-prone areas face catastrophic uncertainty about whether their existing policies cover wildfire damage, leading to either inadequate coverage or overpaying for redundant policies. Insurance companies use confusing policy language and exclusions that policyholders don't understand until they file a claim after losing their home. Current solutions fail because insurers don't proactively clarify coverage, and homeowners lack accessible tools to audit their actual protection before a fire threatens their property.