Wildfire Defense Proposition

for Condominium HOAs in the Wildland-Urban Interface

The Insurance Problem:

Condominium buildings located in the WUI are facing an escalating wildfire insurance crisis:

  • Skyrocketing premiums or complete loss of coverage.

  • High deductibles ($500,000–$5,000,000 per claim).

  • Forced to accept coverage from non-admitted, second-tier carriers.

  • Insurers are demanding demonstrated risk mitigation to renew or write policies.

Without proactive mitigation, many HOAs are becoming uninsurable or are one fire away from insolvency.

Our Solution: Exterior Wildfire Sprinkler + Hardening System

Defense Delivered offers a comprehensive wildfire protection system specifically designed for multi-family structures, including:

  • Automated exterior sprinkler systems targeting roofs, eaves, decks, and defensible zones.

  • Hardening upgrades such as ember-resistant vents, gutter guards, defensible space clearing, and non-combustible barriers.

  • Smart controller linked to satellite and thermal fire detection, capable of automated or remote activation.

  • Full compliance documentation to support insurance, FEMA, or state resilience grants.

Why HOAs Should Act Now

Preserve Insurance
Satisfy insurer mandates for active mitigation.

Lower Premiums / Deductibles
Some carriers offer discounts or coverage tiers for protected buildings.

Grant Eligibility
Makes the property eligible for FEMA BRIC, state wildfire mitigation, and local utility grants (e.g., Xcel Energy).

Asset Protection
Avoid multi-million dollar losses in roof, structure, or contents.

Increase Property Value
Buyers are wary of buildings with no insurance or very high deductibles. This system restores confidence.

Case Example (Modeled Scenario):

Building: 16-unit condo, 19,000 sq. ft. rooftop
Location: Summit County, CO (Tier 3 WUI zone)
System Cost: ~$105,000 - $150,000
Insurance Impact: Eligible for quote from Tier 1 carrier pending mitigation
Grant Potential: Up to 70% cost share from FEMA / state funding
ROI: <3 years (vs. premium + deductible savings + fire risk)

Our Ask to HOAs:

Don’t wait for your non-renewal notice.
Let’s schedule a free assessment and risk scoring for your building.

We'll provide a custom mitigation plan, cost estimate, and insurance-ready documentation.