Home warranty operators anchor dispatch cost modeling and policy pricing in real permit data. Growth at $2,499 a month covers mid-market dispatch with 95% confidence intervals on median. Scale at $4,999 a month covers national operators. Both sign in 30 to 45 days, an asymmetric alternative to Verisk's Xactimate at $100K-plus ACV and 6 to 9 month procurement.
Settle HVAC and Roofing Claims With Permit-Sourced Benchmarks
Stop overpaying on contractor invoices. HomeQuotr gives your claims team independent, city-level cost benchmarks sourced from government permits, not estimates, not averages.
Start free with 500 Sandbox calls per month, Dallas only. Corporate email required. See it in action ↓
Every inquiry routes to Kevin. Response within 1 business day.
The asymmetric play
Why Home Warranty Operators Buy HomeQuotr.
When dispatch cost modeling runs on contractor self-reported quotes, the math drifts. You either overpay claims or you under-price policies. Both errors show up at portfolio scale.
Verisk's Xactimate is contractor-self-reported and clears at $100K to $500K ACV with 6 to 9 month procurement. HomeQuotr Growth is $2,499 a month, Scale is $4,999, both permit-anchored, both sign in 30 to 45 days.
Recommended Tier
Start with Growth
Growth at $2,499 a month covers most mid-market home warranty operators with median, p25/p75, p90/p95 severity, permit count, and a 95% confidence interval on median for actuarially defensible dispatch math. National operators move to Scale at $4,999 a month.
Every inquiry routes to Kevin. Response within 1 business day.
The Problem
Warranty Claims Are Priced in the Dark
Home warranty companies pay contractor invoices without an independent cost reference. That gap costs millions.
Contractors inflate repair costs knowing warranty companies pay
Without a local market reference, claims adjusters cannot challenge inflated invoices. Contractors price to the maximum the warranty will cover, not the market rate.
No independent benchmark to dispute inflated invoices
Adjusters rely on internal tables, contractor quotes, or gut instinct. None of these hold up in a dispute with a licensed contractor who knows the local market.
Internal cost tables go stale within months
Material costs, labor rates, and permit fees shift quarterly. Static spreadsheets cannot keep pace with a volatile market, especially after weather events.
The Solution
HomeQuotr in Your Workflow
See how permit-sourced benchmarks flag inflated claims at the point of decision.
Invoice exceeds 75th percentile by
$5,300 above market benchmark
+$7,500
112% above median
Free Sandbox for evaluation. Corporate email required.
Use Cases
What You Can Build
Add HomeQuotr benchmarks to your claims workflow in one API call.
Automated Claim Benchmarking
When a claim comes in, automatically pull the local median cost for that trade and city. Flag invoices that exceed the 75th percentile for manual review.
Pre-Dispatch Price Checks
Before dispatching a contractor, verify that the quoted price falls within the expected range for that metro. Reroute outlier quotes to your preferred network.
Annual Rate Table Refresh
Replace stale internal cost tables with live permit data. Pull median costs across all metros and trades quarterly to keep your pricing models current.
Tier-gated fields
The Fields Your Dispatch Math Needs.
Median, percentile range, severity tail, and a 95% confidence interval on median at Growth+. Permit count quality score on every response.
curl https://api.homequotr.com/v1/pricing/hvac/dallas \ -H "X-API-Key: hq_live_a1b2c3d4..."
{ "data": { "trade": "hvac", "city": "Dallas", "state": "TX", "median_price": 6700, "p25_price": 4200, "p75_price": 8900, "p90_price": 11500, "p95_price": 14200, "permit_count": 9686, "permit_count_quality_score": 0.94, "confidence_interval_low": 6420, // Growth+ "confidence_interval_high": 6980 // Growth+ }, "meta": { "last_updated": "2026-04-08", "data_source": "municipal_permits" } }
Full field reference, including tier gating per field, is in the API documentation.
5.7M permits, 100 metros, 6 trades. See methodology →
Pricing
Start Free, Scale When Ready
Every plan covers all 6 trades and 100 U.S. cities.
Upgrade or cancel anytime.
Starter
$799/mo
10,000 calls/mo
Recommended for Home WarrantyGrowth
$2,499/mo
50,000 calls/mo
Most PopularScale
$4,999/mo
150,000 calls/mo
Enterprise
$7,499/mo
Unlimited
No commitment. Cancel anytime. Annual billing saves 2 months.
Home Warranty Questions
Data freshness, integration, and how HomeQuotr compares to internal cost tables.
How fresh is the data for active claims?
Tier A metros (the largest 17 cities including Dallas, Houston, Chicago, and NYC) refresh weekly. All other metros refresh monthly. Every API response includes a last_updated timestamp so your system knows exactly when the benchmark was last computed.
Can HomeQuotr integrate with our claims platform?
Yes. HomeQuotr is a standard REST API that returns JSON. Any claims management system that can make HTTP requests can integrate. Most teams have benchmarking live within a few hours using the pricing endpoint.
Which trades does HomeQuotr cover?
Six trades at launch: HVAC, Roofing, Electrical, Plumbing, Foundation/Structural, and Solar. These cover the highest-ticket warranty claims. Sub-category breakdowns (e.g., HVAC installation vs. repair) are available within each trade.
How is this different from our internal cost tables?
Internal tables are typically built from historical claims data or contractor surveys, both of which are influenced by what the contractor charges the warranty company. HomeQuotr benchmarks are derived from government building permits, which reflect the actual cost filed with the city, independent of any warranty relationship.
Every inquiry routes to Kevin. Response within 1 business day.