Wildfire-Ready Homes,
Financed and Verified

From risk to resilience, all in one place.

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 qualified contractor, or how to prove it was done correctly with their insurance company.

Sagebreak unlocks this interconnected problem.

We are a platform that enables homeowners to understand their risk, find local contractors, finance the work, and verify the work was done correctly, protecting their homes and putting them in a better position to preserve their access to insurance.

Understand your risk
Financing the upfront cost
Connect with local contractors
Verify work completion
Connect with insurance agents and brokers

Homeowner

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

GET STARTED

Contractor

Grow your business with vetted leads and financing support.

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

Wildfire-Ready Homes, Financed and Verified

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 Path to a Wildfire-Ready Home

Your one stop for wildfire mitigation.

For many homeowners, increasing wildfire risk means higher premiums, non-renewals, or new requirements from insurers or your local government to complete mitigation work. While it can meaningfully reduce your risk, it's confusing to navigate and expensive to implement.

Sagebreak helps you through the whole process.

We help you understand your risk, afford the work with financing, get it done by a vetted contractor, and get the proof you need to bring to your insurance company to negotiate coverage.

How It Works

01

Understand your risk.

We'll walk you through a risk assessment to understand your property's wildfire risk and what mitigation work would help most.

02

Get connected to a contractor.

Already have someone in mind? We can work with them directly. If not, choose from our list of vetted contractors, and we'll help you get a quote for the work.

03

Apply for financing.

Once you have a quote, you'll apply for financing through one of our lending partners. Right now, financing is only available to homeowners in Nevada.

04

We verify the work.

Once the work is done, we confirm it was completed correctly. You'll receive a report documenting the completed work that you can bring to your insurance company. We can connect you with local agents or brokers who can help you look for coverage.

Ready to get started with your free risk assessment?

By submitting this form, you agree to receive calls and texts from Sagebreak. See our Privacy Policy for how we handle your information.

Frequently Asked Questions

You can use one of our vetted contractors or use your own. If you choose to use your own, we'll ask your contractor to go through a vetting process with us — it's easy and only takes a few minutes.

Most insurers are not guaranteeing premium reductions or policy renewals after doing mitigation work. However, doing this work puts you in the best position to be able to negotiate with insurers in your area and get the best rates and coverage possible.

No! There is no cost to you to apply for financing.

No — we'll reach out to you to hear more about your situation and explain next steps in our process. There's no commitment to continue with the process.

Grow Your Business with Sagebreak

Access to leads, homeowner financing, and project verification through our network.

Sagebreak partners with contractors doing wildfire mitigation work. We help contractors close more deals through access to financing, and help you grow your business through referrals from us.

Why Join

A steady source of qualified homeowner leads
Close more deals with financing
We do project verification reports for homeowners so you don't have to

How It Works

01

Join our network.

You join our vetted contractor network to be able to offer our financing and be sent leads by Sagebreak.

02

Complete the work.

We work together to get the homeowner through the process of completing a risk assessment, scoping the work, getting financing, and getting the work completed.

03

Verification.

After work is completed, you submit verification documentation to Sagebreak and we complete a report for homeowners so you don't have to. If the homeowner took financing, you are paid directly by our lending partner after work is verified.

Apply to Join

We review every application and will follow up once yours has been processed (typically within 48 hours).

APPLY TO JOIN →

By submitting this form, you agree to receive calls and texts from Sagebreak. See our Privacy Policy for how we handle your information.

Frequently Asked Questions

  • Current General Liability Insurance certificate and Workers Compensation Insurance certificate (if available)
  • Current State Construction Specialty License, or current local Construction License (if required)
  • Proof of wildfire certification or training (if available)
  • Financing is currently only available in Nevada.
  • Financing is available to homeowners only (not renters), and homeowners must be current on property taxes and have sufficient disposable income to repay the loan. Credit history alone doesn't disqualify a homeowner.

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

You get paid by direct deposit by our lending partner once the work is completed and verified.

Eligible measures include all home hardening and defensible space measures.

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 verify the work was completed directly with the homeowner.

Keep Your Clients Insurable

We manage the wildfire mitigation work, so you can focus on insurance.

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 handle the risk assessment, financing, and contractor coordination, so you can focus on their coverage.

Why Join

We help your clients through getting wildfire mitigation done, all in one place
Your clients get a report detailing the completed work that you can bring to insurers
Referrals from Sagebreak, for clients who come to us without a broker of their own

How It Works

01

Join our network.

You join our vetted broker network to be able to refer clients to us and be sent leads by Sagebreak.

02

Sagebreak manages 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

Verification report.

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

04

Leads from Sagebreak.

When we work with homeowners who don't have a broker or agent, we send them our vetted list of agents and brokers.

Apply to Join

We review every application and will follow up once yours has been processed (typically within 48 hours).

APPLY TO JOIN →

By submitting this form, you agree to receive calls and texts from Sagebreak. 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.

Complete our intake form with information about you and your business. We'll review your application and complete an onboarding process with you.

No – we don't pay brokers to send us clients.

No – Sagebreak manages the mitigation work and provides financing. We are not an insurance broker or agent.

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

This varies depending on the complexity of the project, but we aim to complete the project within timelines set by non-renewal notices or other deadlines.

Privacy Policy

Last updated: September 25, 2026

Sagebreak Resilience ("Sagebreak," "we," "us") respects your privacy. This policy explains what information we collect through our website, how we use it, and who we share it with.

Information We Collect

Depending on how you use our site, we may collect:

  • Contact information you provide, such as your name, phone number, email address, and property address, when you request a risk assessment or apply to join our contractor or broker network
  • Business and licensing information from contractors and brokers, such as insurance certificates, license numbers, or your National Producer Number
  • Information you share with us over the phone or by email as part of your risk assessment, financing application, or project
  • Basic usage information collected automatically through analytics tools, such as pages visited and how you found our site

How We Use Your Information

We use the information we collect to:

  • Provide a wildfire risk assessment and discuss mitigation options with you
  • Connect you with a contractor for a quote, and with our lending partner for financing, when you request it
  • Connect you with an insurance broker or agent, if you need one
  • Verify completed mitigation work
  • Evaluate and manage applications from contractors and brokers who want to join our network
  • Communicate with you about your project or application

How We Share Your Information

We share information with third parties only as needed to provide our services, including:

  • With a contractor, so they can provide a quote or complete your project
  • With our lending partner, to process a financing application
  • With an insurance broker or agent, if you're connected with one through us
  • With service providers who help us operate our business, such as Wix, Airtable, NCEF, SELF, and others
  • If required by law, or to protect the rights, safety, or property of Sagebreak or others

We do not sell your personal information. We may use de-identified or aggregated data derived from mitigation and project information for research, reporting, and to improve our services.

Your Choices

You can ask us not to share your information with a specific contractor, lender, or broker, and we'll accommodate that where possible, though it may limit what we're able to help with. You can also contact us at any time to ask what information we have about you or to request that we delete it, subject to any records we're required to keep.

Data Retention

We retain your information for as long as needed to operate our business. If you ask us to delete your information, we will do so or de-identify it where reasonably possible, though data that has already been aggregated or de-identified may continue to be used.

Security

We take reasonable steps to protect your information, but no method of transmission or storage is completely secure, and we can't guarantee absolute security.

Children's Privacy

Our services are not directed to individuals under 18, and we do not knowingly collect information from children.

Your State Privacy Rights

Depending on where you live, you may have rights regarding your personal information under applicable state law. If you'd like to know more about what information we have or exercise any rights you may have, contact us at the email below and we'll respond.

Changes to This Policy

We may update this policy from time to time. We'll post the updated version here with a new effective date.

Contact Us

If you have questions about this policy or how we handle your information, contact us at hello@sagebreakresilience.com.

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