About RedZone Retrofit
What We Do
The inability to secure decent coverage—or insurance at all—has made living in some of Colorado’s most beautiful areas unattainable for many. It’s time to make acquiring home insurance what it once was: relentlessly dull. Not dramatic. Not suspenseful. Just handled.
It’s no secret that proactive risk mitigation—through home hardening and defensible space—protects your home and your neighbors. Many insurers already require it. What hasn’t always been clear is how that work actually shows up in insurance outcomes.
Effective July 2026, insurers are required to make wildfire risk scoring transparent and recognize mitigation efforts in pricing. The law may not make insurance affordable, but it does have the potential to make it rational—which, in insurance, is a meaningful upgrade.
Our approach:
Practice Mitigation – Work with local authorities and contractors to reduce risk with proven home hardening and defensible space strategies.
Request Certification – Obtain third‑party assessment and certification from trusted Colorado organizations.
Market Access – Let us help you find coverage. Through our broker network and specialty market relationships, we connect high-value and high-risk homeowners with solutions others can't — or won't — offer.
It’s time for acquiring home insurance to become the stick‑in‑the‑mud snoozer it should be. Zero thrills. All the frills. And ideally, very little conversation afterward.
Contact us today.
Founder's Story
I bought a piece of vacant land in 2020—planning, someday, to build high in the San Juan Mountains near Ridgway and Telluride, tucked into the aspens at around 9,600 feet. The area has seasonal road access, and many full‑time residents snowmobile to a shared parking area during the winter.
Some people see that as an inconvenience. Others see it as an upgrade.
For years, I was warned about the risks: building off‑grid, living remotely, and finding qualified subcontractors. All of those challenges are very real as I break ground this year. But among them, acquiring—and maintaining—reasonable insurance coverage proved to be the most persistent.
I’m dispassionate about insurance—one might say I have a mild aversion to it. But I do enjoy solving practical problems and helping customers navigate unnecessarily complicated systems. RedZone Retrofit took form in late 2025 to do exactly that: reduce friction, remove drama, and get people back to living where they want to live.
Kevin Finucane, Principal
Colorado Resident Producer · NPN 17422759
Property, Casualty & Surplus Lines
Residential Building Contractor (C)