Wildfire-ready, without the headache.

Sagebreak is your one stop for a wildfire-ready home, from understanding your risk to getting the work done and documented for your insurer.

Wildfire risk is reshaping the homeowners insurance market across the West.

Pressure is Mounting

In states like California, Colorado, Nevada, and Utah, insurers are withdrawing from wildfire-exposed areas, leaving millions of homeowners with cancelled policies or expensive premiums, with downstream effects on home sales, mortgage lending, and local government revenue.

Costly, and Hard to Navigate for Homeowners

In response, insurers and regulators are increasingly requiring homeowners to complete wildfire mitigation work, such as vegetation management, as a condition of coverage. This work can meaningfully reduce a home's risk of destruction, but it typically costs many thousands of dollars, an amount most homeowners cannot readily afford. Even those who can afford it often don't know what work actually qualifies, how to find a licensed contractor, or how to prove it was done correctly with their insurance company.

Sagebreak unlocks this interconnected problem.

We help homeowners understand their risk, find local contractors, access financing through our lending partners, and verify the work was done right, protecting their homes and putting them in a better position with their insurance company.

Understand your risk
Access to financing through our lending partners
Connect with local contractors
Get a Wildfire-Ready Report
A list of local insurance agents and brokers

Wildfire-Ready Report: a simple report with before-and-after photos, receipts and a checklist showing exactly what was done, ready to share with your insurance company.

Homeowner

Find out what your home needs and how we can help.

GET STARTED

Contractor

Join our list of licensed contractors serving homeowners doing wildfire mitigation.

APPLY TO JOIN

Broker or Agent

Help your clients complete verified mitigation work with Sagebreak.

WORK WITH US

We know we can't solve this problem alone.

We're building our partner ecosystem across lending, insurance, local government, and property owners, and we're looking for partners who see the same opportunity. If that's you, we'd love to hear from you.

PARTNER WITH US →
Sagebreak Resilience

From risk to resilience, all in one place.

Sage is one of the defining plants of the Western landscape: drought-tolerant, deep-rooted, built for an arid climate.

It thrives in the harsh, desert conditions that we call home. A firebreak, floodbreak, or windbreak is a barrier engineered to stop destruction in its tracks. A break is the line between loss and protection.

Together, the name captures what we're trying to build: resilience that is native to the West, and infrastructure that creates a real barrier between climate risk and the people, homes, and communities in its path.

OUR STORY

In the summer of 2021, Bethany's family was evacuated from their Utah home during a wildfire.

Bethany Kanten Auza
Bethany Kanten Auza Founder & CEO LinkedIn

The fire passed, and what followed was a realization that the systems meant to provide a financial safety net to families and communities had few tools to reward and mitigate risk at scale.

Bethany had spent the previous decade working at the intersection of climate finance, inclusive fintech, and lending operations in pay-as-you-go solar and other climate fintech models across Africa and Latin America, leadership at a climate resilience equity fund, and then as COO of Utah's nonprofit green bank.

CONTACT

We are always looking for partners who want to connect about our work.

We’re proudly based in the heart of the Mountain West, in Salt Lake City, Utah.

Contact Form

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We do not sell personal information, and you can opt out any time.

Your home, wildfire-ready.

We're with you every step: figure out what your home needs, find a contractor you trust, pay over time if you need to, and get a report you can hand your insurance company.

Start your free risk self-assessment →

About 20 minutes. Free, no obligation.

How It Works

01

See what your home needs.

Walk around your home with our free risk self-assessment. You'll see what's already in good shape and what could use work.

02

Find a contractor you trust.

Use your own licensed contractor, or pick from our list of contractors who are licensed and insured. They'll quote the work.

03

Pay over time, if you need to.

You can apply for financing through our lending partners. See financing details →

04

Get your Wildfire-Ready Report.

Once the work's done, we put together the proof, ready to share with your insurance company.

What's a Wildfire-Ready Report?

A simple report with before-and-after photos, receipts and a checklist showing exactly what was done. It's based on the IBHS Wildfire Prepared Home checklist, and it's built for you to share with your insurance company, HOA or local government.

Wildfire-Ready Report
Work complete
Before
After
  • Brush cleared from the first 5 feet around the home
  • Ember-resistant mesh installed on vents
  • Roof and gutters cleared of debris
One place for everything.

No juggling contractors, lenders and paperwork on your own.

Real people to ask.

Questions? Email hello@sagebreakresilience.com and we'll help.

No pressure.

The free risk self-assessment doesn't commit you to anything.

Ready to see where your home stands?

Start with the free risk self-assessment. It takes about 20 minutes.

Frequently Asked Questions

No. You can pick your own licensed contractor. We'll just ask them to join our contractor network, which is free.

Most insurers don't guarantee discounts or renewals after mitigation work. Documented mitigation can help you make your case to insurers, but results vary.

The free risk self-assessment and the Wildfire-Ready Report both cost homeowners nothing. For financing questions, see financing details.

No. The free risk self-assessment doesn't commit you to anything.

Get more wildfire jobs, with less paperwork.

Join Sagebreak's list of licensed wildfire mitigation contractors. Homeowners find you, they can pay over time, and we handle the paperwork.

Join free →

Free through 2026.

Why Join

Homeowners find you.

Homeowners who complete our free risk self-assessment and ask for help see our list of licensed contractors in their area.

Homeowners can pay over time.

Financing through our lending partners means more homeowners say yes to the full project, not just the cheapest part.

We handle the paperwork.

We turn your photos and job documents into a Wildfire-Ready Report the homeowner can hand to their insurance company.

How It Works

01

Join our list.

Tell us about your business. We check that you're licensed and insured. It's free.

02

You do the work.

You scope, quote and complete the job the way you always do. If the homeowner needs financing, they apply directly with our lending partners.

03

We handle the paperwork.

Send us before-and-after photos, your invoice and any other documents the job needs. We build the Wildfire-Ready Report. For financed jobs, how and when you're paid depends on the lending partner.

What's a Wildfire-Ready Report?

A simple report with before-and-after photos, receipts and a checklist showing exactly what was done, based on the IBHS Wildfire Prepared Home standards. Homeowners use it with their insurance company, HOA or local government.

You'd normally spend hours putting that together. We do it for you.

What you send us
  • Before photos at job start
  • After photos of the work you did
  • Your invoice
  • Permits and inspections, if required
  • Bills of materials, where relevant

The exact list depends on the job.

We do the rest.

Ready for more wildfire jobs?

Join free →

Free through 2026.

See our Privacy Policy for how we handle your information.

Frequently Asked Questions

  • Current General Liability Insurance certificate (required) and Workers Compensation Insurance certificate (if applicable)
  • Current contractor license (required)
  • Proof of wildfire certification or training (if available)

Financing eligibility and terms are set by our lending partners. See financing details →

Join our contractor network free through 2026. We'll give current members advance notice before anything changes.

It depends on the lending partner. Each lending partner sets how and when contractors are paid for the projects it finances.

Eligible work is set by our lending partners. See financing details →

We ask you to submit "before" photos prior to starting work, then after work is completed: proof of permitting and inspection (if required by local jurisdiction), before and after photos, and bills of materials (where relevant). We also confirm with the homeowner that the work was completed.

Help your clients get mitigation done.

One place for your clients to understand their risk, get mitigation done, and document it.

Sagebreak works with insurance agents and brokers to help their clients complete wildfire mitigation work. When a client is facing a non-renewal, a premium increase, or a new mitigation requirement, we provide the free risk self-assessment, a list of licensed contractors, a path to financing through our lending partners, and a Wildfire-Ready Report: a simple report with before-and-after photos, receipts and a checklist showing exactly what was done, ready to share with your insurance company.

Why Join

We help your clients through getting wildfire mitigation done, all in one place
Your clients get a Wildfire-Ready Report detailing the completed work that you can bring to insurers
Listed on our public directory of licensed, trained agents

How It Works

01

Join our network.

Apply to join our agent list. It's free. We check your license, and you complete a short training on wildfire mitigation.

02

Your client completes the process.

You meet a homeowner that has received a non-renewal, premium increase, or mandate from their HOA or local government requiring wildfire mitigation work. You connect your homeowner to us to help them complete the mitigation work.

03

Wildfire-Ready Report.

We prepare a Wildfire-Ready Report detailing the completed work that you can use to negotiate on behalf of the homeowner with insurance companies.

04

Our public agent list.

Homeowners who ask for an agent get our full list of licensed, trained agents in their area.

Apply to Join

APPLY TO JOIN →

Free to join.

See our Privacy Policy for how we handle your information.

Frequently Asked Questions

Join our broker and agent network free through 2026. We'll give current members advance notice before anything changes.

An active insurance producer license and completion of Sagebreak's wildfire mitigation training. Any licensed agent can join, and it's free.

No. We don't pay agents for referrals, and agents don't pay us to be listed.

No. Sagebreak doesn't sell insurance or recommend insurers or policies. We provide the free risk self-assessment and Wildfire-Ready Reports; financing is through our lending partners.

With your client's permission, we will keep you informed on the progress of the project and will send you the final Wildfire-Ready Report once the work is completed.

It depends on the work and the contractor's schedule. Let us know about any deadline and we'll do our best to keep things moving.

Ways to pay for wildfire mitigation work

Sagebreak works with partners to help homeowners afford the cost of mitigation work.

Financing through our partners

Nevada

Financing through the Nevada Clean Energy Fund's Re-Up program. Terms, eligibility and the application are on their site.

Visit NCEF's Re-Up program →
Other states

We're adding financing partners in more states. Email hello@sagebreakresilience.com to hear when financing is available where you live.

Other ways to pay

Your bank or credit union

Many offer home improvement loans or home equity lines of credit.

Paying out of pocket

Many mitigation projects, like clearing the first 5 feet or adding vent mesh, cost less than people expect.

Financing is offered and decided by each lender. Sagebreak doesn't make loans or decide who qualifies.

Sagebreak Provider Program Terms

Version v1 2026-10 · Last updated October 2026

Privacy Policy

Last updated: October 14, 2026

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