Insurance & Insurability
Montana's Insurability Crisis Is Here. There's a Solution.
Montana homeowners in wildfire-prone areas are losing coverage, facing non-renewals, and watching premiums climb beyond reach. Big Sky Fire Defense exists at the intersection of wildfire defense and property insurability.
Get a Free Assessment →The Reality
The Market Is Pulling Back
Montana House Bill 136 prohibits insurers from canceling or non-renewing a policy solely because a property is located in a wildfire hazard area. But insurers are still finding ways to exit the market — raising premiums, tightening underwriting standards, and declining new policies on properties that don't meet mitigation thresholds.
The properties that retain coverage — and at better rates — are the ones that can demonstrate active, documented mitigation.
Underwriting Standards
What Carriers Are Looking For
Underwriters increasingly want to see three things when evaluating wildfire exposure:
- Defensible space — vegetation management around the structure
- Structural hardening — ember-resistant vents, Class A roofing, non-combustible materials
- Active suppression capability — a system that works when the homeowner can't be there
CitroTech addresses all three vectors. The installed system is documentable, certifiable, and provides a concrete, underwriting-grade mitigation record that a homeowner can present to their carrier.
For Agents & Brokers
For Insurance Agents & Brokers
If you have clients in moderate-to-high wildfire hazard areas who are struggling to maintain or obtain coverage, we want to be your resource.
Big Sky Fire Defense is a CitroTech partner serving Montana, Wyoming, and Northern Idaho. We work directly with agents and brokers to:
- Assess properties your clients need help insuring
- Provide documentation of installed mitigation for underwriting purposes
- Educate clients on defensible space and structural hardening standards
- Support reinstatement conversations with carriers
We don't compete with you. We make your hardest-to-place clients placeable.
For Homeowners
Facing Non-Renewal?
If you've received a non-renewal notice or your premium has become unmanageable, don't wait for fire season to act.
A CitroTech installation gives you something tangible to bring back to your carrier — or to a new one. We'll assess your property, design the right system, and provide full documentation of your installed mitigation.