FireBreak Pillar — Product Direction Brief
A FireBreak-originated referral pipeline for wildfire-rebuild homeowners — into construction financing and insurance placement, across multiple partners, before a lender ever opens a case.
Approve the product direction: FireBreak originates its own homeowner pipeline from the destroyed-home universe and refers ready homeowners to multiple construction lenders and multiple insurers — not just Lendistry — with the two sides operating under different licensed capacities FireBreak actually holds today.
Lendistry is not waiting passively for its own interest form — it's actively staffing an in-house acquisition function with a 750–1,000-borrower pipeline target. That's roughly two orders of magnitude below the addressable population. The opportunity isn't reaching homeowners first; it's reaching them with property-specific, data-driven outreach before someone else's generic partner network does.
A Case only opens once financing or coverage is actually in place — never on a mere expression of interest. This keeps mitigation-compliance tracking clean regardless of who financed the rebuild.
FireBreak is a licensed insurance producer/broker today. FireBreak does not hold a lending broker license. The design reflects that asymmetry honestly rather than assuming a licensing posture we don't have:
Referral platform
Broker front end
| Compared to | Our edge |
|---|---|
| Generic outreach with no real offer | We lead with a free permit + wildfire-standard + insurability review — a real, permit-grounded gap summary, not a cold pitch. Confirmed buildable today: LA City's own building-permit dataset is public, licensed for commercial use, and updated weekly. |
| Lendistry's own acquisition hire | Not competing on counseling or partner networks — that's their hire's job. We win on property-specific, data-driven candidate identification, not generic outreach. |
| Zillow, Redfin & comps providers | They don't identify destroyed structures or model rebuild cost — that requires the DINS destroyed-structure layer this module builds. |
| Raw CAL FIRE DINS data | Public, but a raw dataset. The edge is the scoring, referral-readiness, and partner-routing layer built on top of it. |
A research spike verified that LA City publishes its own building-permit filings publicly — licensed for commercial use, updated weekly, and rich enough to name a homeowner's actual permit history and contractor of record. Two things follow directly:
Lead-generation hook
Contractor & vendor network
One real gap: this confirmed source covers the Palisades (City of LA). Eaton (unincorporated Altadena, LA County) has no equivalent public source confirmed yet — offered there today with a plainly-stated "more limited" caveat, not silently treated as equal coverage. A paid data source (Shovels.ai) is a candidate fix, not yet evaluated.
Multi-partner referral & offer modelSix rounds of technical review — matching, consent, transmission, offer comparison, and activation are fully specified.
One shared schema field needs a decisionThe existing Case record assumes exactly one lender and a scheduled inspection. Self-funded and insurance-only rebuilds need that loosened — a small, proposed fix, pending sign-off from the Lendistry Pilot's owner.
Initial partner rosterWhich lenders and insurers join the panel at launch, beyond Lendistry, is a business decision this design doesn't make.
LA County permit coverageConfirmed for Palisades, not yet confirmed for Eaton/Altadena — see "A New, Confirmed Capability," above.