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 Montana's only certified CitroTech installer. 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.