Protect Your Home from the Unexpected.
Get Certified Structural Assessments by California Licensed Engineers—
Peace of Mind, Before and After Any Storm.
POST-HURRICANE NIGHTMARE: Thousands Left With Homes They Can’t Insure or Repair – Simply Because They Lacked One Document
The Truth Insurance Companies Don’t Want You To Know About… Until It’s Too Late
In the wake of the most brutal hurricane season in recent memory, thousands of homeowners across the country are discovering a horrifying truth:
🛑 Their insurance policies are nearly worthless without an up-to-date structural report.
Let us explain.
Insurance companies are quietly denying claims left and right, pointing to one “missing requirement” buried deep in the fine print: proof of pre-disaster structural integrity. Without it, adjusters are free to claim your home had “pre-existing issues” leaving you with pennies on the dollar.
Imagine this:
You pay your premiums on time.
You do everything right.
A natural disaster hits.
And suddenly… your claim is denied.
Why? Because you can’t prove the damage was caused by the storm — and not something already “wrong” with your home.
This is happening every day.
Why Homeowners Trust Structural Guard
1. Explore Membership Options
Basic — $49/mo
• 1 annual structural + foundation inspection (baseline proof)
• Engineer-reviewed, signed & sealed report
• 12 monthly payments
• ❌ No post-disaster inspection
• ❌ No post-disaster forensic report
Standard — $69/mo
Everything in Basic, PLUS:
• 1 post-disaster inspection (wildfire, earthquake, flood, mudslide, or storm)
• 1 post-disaster forensic engineering report (signed & sealed)
• ❌ No additional post-disaster inspections/reports if a second major event occurs in the same year
• 12 monthly payments
Platinum — $99/mo — Maximum Value
Everything in Standard, PLUS:
• ✅ Unlimited post-disaster inspections (wildfire, earthquake, flood, mudslide, storm)
• ✅ Unlimited post-disaster forensic reports (signed & sealed)
• ✅ Priority scheduling statewide; coastal and fire-prone area priority
• 12 monthly payments
2. How It Works
Enroll → Inspect → Report → Covered
→ Enroll now online — pick Basic / Standard / Platinum
→ Inspection team on site (structure • roof • foundation) under professional engineering oversight
→ Engineer-reviewed, signed & sealed report (PDF) — FEMA + insurer-ready
→ After disasters: priority scheduling by tier (Standard = 1 event/yr, Platinum = unlimited)
→ Use it: claims, repair scope, permits, lenders
3. Frequently Asked Questions
Q: What exactly is a “Engineering Report”?
A: A PE-reviewed, signed & sealed assessment of your home’s structural condition with photos, findings, and next-step recommendations (PDF).
Q: Who does the inspection?
A: Our inspection team completes the on-site visit (structure, roof, foundation) under California PE oversight. Your final report is reviewed, signed & sealed by a California-Licensed PE.
Q: When will I receive my first report?
A: Typically 3–5 business days after the on-site visit. After major events, members are prioritized by tier (Standard expedited; Platinum earliest available).
Q: Are your reports accepted by FEMA and insurers?
A: Yes—our reports are engineer-signed and prepared for FEMA + insurer review. Final acceptance/coverage decisions are made by your carrier/agency.
Q: Do I need to be home for the inspection?
A: Yes—an adult (18+) must be present to grant access for the full interior and exterior inspection.
Q: Can I cancel my membership?
A: Yes. 30-day money-back guarantee on new memberships; cancel anytime after the first term. If an inspection has already occurred, a service fee may apply.
Q: What if my home doesn’t pass the initial inspection?
A: You’ll receive engineer recommendations with clear repair priorities and safety notes. Plans/drawings are not included. After repairs, you may request a re-inspection; availability and fees depend on your tier. If permit-ready design/calculations or stamped drawings are required, those are separate services and can be quoted on request.
Q: Does this report cover repairs and maintenance?
A: The report documents and certifies your home’s current structural condition but does not include repair or maintenance services.
Q: What disasters are covered for post-event inspections?
A: Storm, flood, tornado, hail, or fire. Standard includes one post-disaster event per year; Platinum is unlimited.
4. Terms & Privacy
Terms of Service
Please review our Membership Terms & Conditions here.
Privacy Policy
We respect your privacy. Read our full Privacy Policy for details on data use and retention.
Guard Your Homes Safety
Basic
$49/mo
One annual structural and foundation inspection of your home followed by a signed & sealed report by a state licensed engineer
Pay 12 monthly payments
NO post-disaster Inspection
NO post-disaster damage forensic report
Platinum
Maximum Value
$99/mo
Everything in Standard PLUS:
Unlimited structural and foundation inspections after every major natural disaster
Unlimited post-disaster forensic reports signed and sealed by a state licensed engineer
Priority Scheduling
Standard
$69/mo
Everything in Basic PLUS:
One additional structural and foundation inspection of your home after a major natural disaster
One post-disaster forensic report signed and sealed by a state licensed engineer after the inspection
No additional post-disaster inspection or report if a 2nd natural major disaster happens each year