COLORADO WILDFIRE SEASON — DAYS UNTIL PEAK FIRE DANGER · JULY 1
burnline Score my home →

Colorado wildfire pre-screening · Caregiver-Sage field tool

Your defensible space,
scored in 30 seconds.

Prove your perimeter. Keep your coverage.

1,084 Colorado homes lost in the Marshall Fire.
Your insurer wants proof yours is defensible.
Score my home → How it works

Snap the side of your home closest to vegetation. We'll score your Burnline in 30 seconds.

Your photo is analyzed and discarded. We never store images or locations.

Built on the Cal Fire 100-ft rule · NFPA 1144 · Colorado State Forest Service defensible space guidelines · IBHS Wildfire Prepared Home standards

How it works

Three steps. Thirty seconds.

  1. 01

    Snap one photo

    Shoot the side of your home closest to trees, brush, or fence line. Daylight, wide enough to catch the first 30 feet.

  2. 02

    AI scores your Burnline

    We evaluate your perimeter against Zone 0 / 1 / 2 standards, flagging ember traps, ladder fuels, and clearance gaps.

  3. 03

    Download your adjuster-ready PDF

    A dated, watermarked report with zone-by-zone findings and a prioritized fix-list. Bring it to your renewal call.

Sample report

What your adjuster actually sees.

Dated. Watermarked. Zone-by-zone findings with the exact language insurers use. Not a screenshot — a field document. Bring it to your renewal call, your broker, or your home-hardening contractor.

  • Zone 0 / 1 / 2 scoring with distance-to-structure flags
  • Prioritized fix list — what moves the needle first
  • Property address, date stamp, and Burnline document ID
  • Language aligned to IBHS WPH and NFPA 1144

How Burnline compares

Score first. Get inspected with confidence.

Burnline Free Score
$0
  • On-screen Burnline Score (0–100)
  • Zone 0 / 1 / 2 breakdown
  • Top-3 prioritized fixes
  • No email required
  • Adjuster PDF not included
  • No formal certification
Most homeowners start here
Burnline PDF Report
$29
  • Everything in the free score
  • Branded, dated, watermarked PDF
  • Zone-by-zone findings & recommendations
  • Formatted for insurance adjusters
  • Carry into renewal conversations
  • Supporting evidence — not certification
Formal IBHS Inspection
$200–$500
  • Everything in the PDF report, plus
  • On-site certified inspector
  • Official IBHS WPH certification
  • May qualify for CO SB-11 premium discount
  • Required by some carriers
  • Typically 2–4 week scheduling wait

Score first. Get inspected with confidence.

Works with

USAA American Family AAA Mercury State Farm Farmers Allstate

Used as mitigation evidence in homeowner conversations with major carriers.

Colorado counties served

From Boulder canyons to Teller mountain towns.

We scored Burnline against Colorado State Forest Service defensible-space guidelines first. These are the counties with the tightest insurance scrutiny right now.

  • Boulder
  • Jefferson
  • Larimer
  • Douglas
  • Teller
  • Weld
  • Park
  • Clear Creek

Enter your ZIP to see county and fire hazard severity tier.

Frequently asked

Before you score.

Will my insurer actually accept a Burnline report?

Burnline is a mitigation pre-screening tool, not a formal IBHS Wildfire Prepared Home certification. Homeowners use the PDF as supporting evidence in renewal conversations with carriers like USAA, American Family, State Farm, and Mercury. For full premium discounts or binding reinstatement, your carrier may still require a formal IBHS inspection.

What happens to my photo?

Your photo is analyzed and discarded. We never store images or locations. The image buffer is out of scope the moment we return your score. Our AI provider operates under paid-tier no-training terms.

How accurate is a single-photo score?

A single well-framed photo captures the riskiest side of your home with reasonable fidelity for pre-screening. Scores calibrate against Cal Fire Zone 0/1/2 spacing rules and NFPA 1144 fuel-break criteria. For a full-property audit, our Pro upgrade walks all four sides.

Burnline vs. formal IBHS inspection — what's the difference?

An IBHS Wildfire Prepared Home inspection is an on-site certified evaluation ($200–$500) that yields a formal designation some carriers use to apply premium discounts. Burnline is a fast, photo-based pre-screen ($0–$29) that tells you whether it's worth paying for the formal inspection. Score first, inspect with confidence.

Does Burnline apply to California's AB-3074 Zone 0 rule?

Yes. AB-3074 mandates a 5-foot ember-resistant Zone 0 around structures in California's high fire severity zones, with enforcement phasing in starting February 12, 2027. Burnline flags Zone 0 deficiencies against that standard. Colorado homeowners get equivalent Zone 0 guidance aligned to CSFS and local county ordinances.

What about Colorado-specific rules?

Colorado has no statewide Zone 0 mandate — rules vary by county. Boulder, Jefferson, Larimer, and Teller counties follow CSFS defensible-space guidelines closely. Some HOAs in mountain subdivisions require documented mitigation annually. Burnline aligns to CSFS guidance, NFPA 1144, and IBHS WPH standards so your report travels regardless of jurisdiction.

How does pricing work?

The Burnline Score is free. Zone breakdown and top-3 fixes are free. The $29 Homeowner Pack unlocks the branded, dated, watermarked PDF formatted for adjusters. A $19 Pro upgrade adds a 4-side walkaround for full-property scoring. No subscription.

What's your refund policy?

If your PDF doesn't help your insurance conversation — for any reason — email us within 30 days and we'll refund the $29. Scores are generated instantly, so there's nothing to cancel on the free tier.