Insurance & protection
It starts with the bones.
The material your home is framed in is the foundation of whether it can be insured, at what price, and for how long. Which is why we bring insurance expertise into the earliest stage of design — before the plan is set, not after the keys are handed over.
Underwriting, in plain language
What an underwriter is actually asking.
An insurer is estimating one thing: how likely is this building to burn, and how much will it cost when something goes wrong. Construction class is one of the few inputs a homeowner can actually change, and it's the one that moves fire risk most directly.
A noncombustible frame means the structure itself adds no fuel. Combined with the assemblies steel makes practical — enclosed eaves, ember-resistant venting, fire-rated exterior walls, metal roofing — a home presents as a fundamentally different risk than a stick-framed house on the same lot.
In high-risk regions, that difference can be the line between a standard market policy, a surplus-lines policy, and no offer at all. We document the construction class, the assemblies and the mitigation work as part of the build package so your broker has something concrete to underwrite.
We are not an insurance carrier and we don't quote policies. We engineer homes so the people who do have a better file to work with.
Hard-to-insure regions
Building where coverage is getting hard to find.
Wildfire zones
WUI maps, defensible space rules, non-renewals and state plans of last resort.
Seismic regions
Ductile, engineered connections and predictable load paths.
High-wind and coastal
Uplift resistance, corrosion-appropriate coatings, hardened envelopes.
Heavy snow country
Long spans and high roof loads without oversized timber assemblies.
Get started
Tell us where you're building.
Site conditions drive everything — fire zone, wind exposure, snow load, seismic category. Send us the basics and we'll tell you what steel changes.
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