Homeowners ask this after a wildfire score drop, and they mean one of two very different things. One of them is impossible, and any answer you get online is usually about that one. The other is entirely possible, and it is the one that actually helps.
Last reviewed September 2, 2026 · Part of the nonrenewal guide
This is the courthouse sense of the word: sealed court records, sealed juvenile files, records the public cannot pull. Applied to a home, it would mean making your property invisible to insurance underwriting. That does not exist, and it is worth being plain about why.
Insurers do not score your home from the county deed room. Wildfire scores come from third-party models that read aerial and satellite imagery, vegetation data, and topography. There is no opt-out from a flyover. County records, deeds, and parcel maps are public by statute, and the narrow programs that do conceal records, such as address confidentiality programs for people at personal risk, hide an owner's name from public search. They do not move the parcel, and they change nothing about what a risk model sees from the air.
If a service offers to hide your home from underwriting, it is selling something that cannot be delivered.
Seal in the older sense: a wax seal on a letter, a notary's stamp, an evidence bag. Not hidden, fixed. The contents are locked to a moment in time, and any tampering afterward shows.
A sealed home record in this sense is a set of photographs of your property with verified capture time, verified location, and a cryptographic seal, so that any later alteration is detectable. The record is not concealed from anyone. The point is the opposite: it is built to be shown, to an appeal reviewer or the next carrier's underwriter, and believed.
This answers the standard objection to homeowner photos, which is that photos can be edited, taken earlier than claimed, or taken somewhere else. An unsealed photo invites that objection. A sealed one is built to survive it.
Put the two together and the logic of your situation gets simple. You cannot hide your home from the model. The imagery will be taken, the score will be produced. The only move left is to contradict the model where it is wrong, with better evidence of your actual property, and every path open to a dropped homeowner runs on exactly that.
Colorado and California give you a formal right to contest a wildfire score with evidence of your mitigation work. Texas requires the insurer to state its reason in writing, which tells you what the next carrier will ask about. And everywhere, an independent agent shopping your home does better with a dated, verifiable record than with nothing. The state-by-state tracker maps what applies to you.
One more thing about the model's evidence: its photo of your home has a capture date, and it may be an old one. Your answer needs a date too. That problem has its own page.
Sealed Home Record turns an hour of walking your property into a sealed, tamper-evident, date-verified photographic record with a certificate and a permanent verification link. It does not hide anything, stop a nonrenewal, or decide an appeal. It puts a dated record in the file where before there was only the model's word.
$69 a year. One property, unlimited sealed captures.
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