Inspection Protocols

Summary

When you request an inspection from Modern Insurer, you are required to provide a protocol property in the API request.

JSON

POST /api/inspections

{  
  "propertyId": "6753cc4c53615a110e62b051",
  "type": "claim",
  "protocol": "wildfire", // required, defines inspection scope
  "claimId": "674c7271b44d3674bd14f9c0",
  "note": "roof damaged during Caldor fire. roof rebuild must satisfy IBHS wildfire prepared criteria."
}

Protocols define scope and ensure the outcome of the inspection meets expectations. Each protocol has a fixed cost and are listed with each line item in an invoice.

Supported Protocols

Protocol	Code	Technical Standard
IBHS Wildfire Prepared Home	wildfire	Link

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Need Something Else?

The Modern Insurer architecture is easily extendable to support additional protocols. We are always adding additional protocols to ensure a comprehensive set of inspection needs are met. Reach out and we can work with you to add additional protocols.

Protocol Requirements

Wildfire

Requirement	Description
Non-Combustible Zone	The area within 0-5 feet of the home and attached structures shall be free of all combustible materials, vegetation, and objects.
Ground Cover Near Structure	Ground cover in the 0-5 foot zone shall consist of non-combustible materials such as rock, gravel, concrete, or maintained lawn.
Grass and Weeds Height	Grass and weeds shall be maintained at a maximum height of 4 inches.
Leaf Litter and Debris Removal	Leaf litter, bark, twigs, and other debris shall not be present.
Tree Branch Distance	Tree branch ends shall be at least 5 feet away from structures.
Firewood Storage	Firewood, lumber, and other combustible materials shall not be present.
Roof Rating	Roof coverings shall be rated Class A and in good condition with no missing or damaged pieces.
Roof Debris	Roofs, gutters, and downspouts shall be free of accumulated debris.
Skylight Maintenance	Skylights shall not have accumulated debris on or next to them.
Vent Mesh	All vents shall be covered with 1/8-inch to 1/16-inch metal mesh.
Chimney Protection	Chimney and stovepipe outlets shall be covered with spark arrestors meeting NFPA 211 standards.
Siding Integrity	Siding and trim shall be in good condition with no damage, gaps, or holes.
Foundation Vent Protection	Foundation and crawl space vents shall be covered with 1/8-inch to 1/16-inch metal mesh.
Eave Construction	Open eave framing and exposed rafter tails shall not be present.
Window Construction	Windows shall be multi-paned with at least one pane being tempered glass.
Garage Door Gaps	Garage doors shall be free of gaps greater than 1/8-inch at edges and base.
Deck Condition	Decking boards shall be in good condition with no damage, warping, or gaps.
Under-Deck Maintenance	Areas under decks shall be free of combustible materials and debris.
Deck Connection	Deck attachments to the home shall be in good condition and properly flashed.
Address Marking	Address numbers shall be clearly visible from the street with numbers at least 4 inches high.
Driveway Clearance	Driveways shall maintain at least 13.5 feet of vertical clearance and 10 feet of horizontal clearance.
Tree Canopy Spacing	Tree canopies shall be spaced at least 10 feet apart.
Extended Zone Ground Cover	Ground cover shall be maintained to a maximum height of 4 inches.
Tree Height Management	Trees taller than 18 feet shall be limbed up 6 feet from the ground.
Extended Zone Vegetation	No dead vegetation shall be present within 30 feet of structures.
Enhanced Eave Protection	All eaves shall be enclosed with no exposed rafter tails.
Enhanced Vent Protection	All vents shall have ember-resistant features or baffles.
Gutter Protection	Gutters shall have non-combustible gutter guards installed.
Enhanced Deck Materials	Decking shall be constructed of non-combustible or fire-resistant materials.
Water Availability	Property shall have a reliable water supply for fire fighting.
Secondary Access	Secondary emergency vehicle access route shall be available where possible.