FAIR Plan Clearinghouse Depopulation

The over-concentrated residual book — ~655k residential policies. The clearinghouse shares a monthly policy feed (insured initials + broker-of-record code + coverage/premium/risk, excluding contact info) to participating carriers under an opt-out. Not a customer list; a privacy-attenuated, broker-routed feed.

Per-property hardening scores (the risk-selection cherry-pick), the per-placement compliance file (declinations + disclosure receipts), and audit-defensible rate support. FireBreak is the licensed CA retail broker and §10095 routing conduit — and is fast-tracking its own surplus-line broker stack so the wholesaler layer (the strategic control point) can sit in-house. Offers reach the home through the listed agent or broker of record (if any), never a cold list.

Two clean lanes, non-exclusive. Admitted carriers get the cleanest door — first option in the clearinghouse, no §1763 diligent search; the risk-selection engine makes selective re-entry safe for a carrier that has pulled back from California home business. E&S / surplus-lines MGAs run the second-option lane — each an instance on the shared, carrier-agnostic platform behind eligible surplus-lines paper.

The listed agent or broker of record (if any) is the compliant path — §10095 routes offers through it. The wholesale layer is the control point: it holds target-address access, filings, and market breadth. Retail & private-client brokers hold the homes the clearinghouse routes through — the book-holders are the channel.

The aperture is the whole FAIR Plan book — not one segment. The engine scores every home, so each participant selects to its own appetite: one thesis is non-WUI high-value HO3 (replace, not wrap); an admitted re-entrant wants a controlled selective slice; other carriers will bring other theses (value bands, geographies, peril mixes, LMI mandates). The platform is thesis-agnostic — it makes any defensible selection possible and depopulates the FAIR Plan either way.