For FAIR Plan Policyholders
Stop Settling for the FAIR Plan.
The FAIR Plan was meant to be temporary—but without a plan, it becomes permanent. Cindera helps you harden your home, prove it to insurers, and work toward a full homeowners policy.
Get My ScorePaying more for less coverage?
Two bills—a FAIR Plan policy plus a separate wrap (DIC) policy—often totaling $4k–$10k+ per year
Fire-only coverage with gaps a single homeowners policy would handle
No clear answer for what your home needs to qualify with a regular carrier again
Calling more insurance agents gets the same answer, because the property itself hasn’t changed
Your exit path, step by step
Carriers declined your home because of how it scores in their wildfire models. Cindera changes the inputs—then documents everything insurers need to see.
Know exactly where you stand
Your Cindera Score shows how insurers see your home today and exactly which improvements move the needle.
A prioritized action plan
Ember-resistant vents, Zone 0 clearance, defensible space—sequenced by impact, with vetted local vendors when you need help.
Proof carriers accept
Timestamped, geo-tagged photo and video evidence of every completed action, packaged as insurer-ready documentation.
A route to real coverage
Once your home meets the standard, Cindera helps you pursue a full HO-3 homeowners policy and leave the FAIR Plan behind.
How Cindera works
Enter your address
Get your starting Cindera Score in minutes.
Work your action plan
DIY or vetted vendors—upload photo proof as you go.
Unlock the payoffs
Grants, matching dollars, and better insurance options.
Maintain your score
Stay protected year-round with scheduled reminders.
Frequently asked questions
See if your home can qualify for real coverage
Enter your address and get your starting Cindera Score in minutes.
Get My Score