We score every home in the FAIR Plan's residual book on the same evidence — so capacity can take the slice that's already better than the blended book, instead of the whole book blind.
The selection is data-driven, and disclosed the way a rate filing is: you see the inputs and the output — not the algorithm.
ForceShield is not the FAIR Plan clearinghouse. Participating carriers contract with that program directly; ForceShield provides the risk-selection evidence.
How it works
One engine, many theses — the strategy is the selection, not a roster of names.
Every home in the residual book gets a per-property hardening and exposure score, built from public and remote-sensed evidence.
Each carrier takes its own appetite — a hardened, high-value slice, or a controlled admitted re-entry — off the same scored book.
Selected homes move to real coverage through the listed broker of record. The FAIR Plan book shrinks — the regulator's own goal.
What the engine reads
The inputs — the same class of evidence a rate filing discloses.
Validated against historical fire outcomes. These are the inputs; the weighting that turns them into a per-home score is ours. We disclose the same way we would to a regulator — the evidence and the result, not the recipe.
What the output looks like
The engine sorts the book: the homes worth writing, separated from the ones to leave.
Illustrative. In the live surfaces every home is a real parcel, scored and mapped — with fire perimeters, hazard zones, and past structure damage layered underneath.
Request a walkthrough of the demo, or access to the data room for the methodology and evidence.