Specialty home line insurers and mid-market MGAs use HomeQuotr for covered-peril mapping and frequency modeling. Enterprise at $7,499 a month flat ships severity distributions, peril mapping, and Poisson frequency lambdas with confidence intervals. A premium MGA can sign in 30 to 45 days, where Verisk and CoreLogic clear at six figures over 6 to 9 months.
Roofing and HVAC Claims Settlement Data From Real Permits
Benchmark post-storm claims against actual permit costs, not Xactimate estimates. HomeQuotr gives adjusters city-level pricing sourced from government permits across 100 U.S. cities.
Start free with 500 Sandbox calls per month, Dallas only. Corporate email required. See it in action ↓
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The asymmetric play
Why Specialty Home Line Insurers and Mid-Market MGAs Buy HomeQuotr.
Specialty home lines need covered-peril mapping. Verisk and CoreLogic productize it for $100K-plus contracts. Below that, you are stuck with national-average estimates that stall rate filings.
Six-figure ACV and quarter-long sales cycles are not options for $20M to $200M premium MGAs. HomeQuotr Enterprise at $7,499 a month flat ships covered-peril mapping and frequency modeling.
Recommended Tier
Start with Enterprise
Regional carriers and specialty MGAs typically start at Growth or Scale for severity distributions, then move to Enterprise at $7,499 a month flat for full covered-peril mapping and Poisson frequency lambda with confidence interval. Starter and Growth fit early-stage MGAs and pilot programs.
Every inquiry routes to Kevin. Response within 1 business day.
The Problem
Claims Settlement Runs on Outdated Benchmarks
After a major weather event, adjusters process hundreds of roofing and HVAC claims without knowing what those repairs actually cost in the affected market.
Post-storm claim surges overwhelm adjusters with no local cost baseline
When hail hits Houston or a hurricane reaches Florida, claim volume spikes overnight. Adjusters scramble without current local pricing data, leading to inconsistent settlements.
Xactimate estimates do not reflect actual local permit costs
Xactimate provides standardized unit costs, but these do not account for local labor rates, permit fees, or the price shifts that follow a major weather event.
Fraud detection lacks an independent price reference
Without a verified market baseline, inflated claims blend in with legitimate ones. Adjusters need a third-party benchmark to distinguish outliers from fair prices.
The Solution
HomeQuotr in Your Workflow
See how permit-sourced benchmarks flag inflated claims at the point of decision.
Claim exceeds 75th percentile by
$5,800 above market benchmark
+$10,000
100% 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.
Weather-Event Claims Triage
After a storm, automatically benchmark incoming claims against local permit costs. Prioritize adjuster review for claims that exceed the 75th percentile.
Fraud Detection Flagging
Flag claims where the invoiced amount significantly exceeds the permit-sourced median for that trade and metro. Route flagged claims to your special investigations unit.
Reserve Adequacy Modeling
Use historical permit-cost trends by metro and trade to model reserve requirements. Update assumptions quarterly with fresh permit data instead of annual actuarial reviews.
Tier-gated fields
The Fields a Rate Filing Can Defend.
Severity distributions at Growth+. Full covered-peril mapping plus Poisson frequency lambda with confidence interval at Enterprise+.
curl https://api.homequotr.com/v1/pricing/roofing/houston \ -H "X-API-Key: hq_live_a1b2c3d4..."
{ "data": { "trade": "roofing", "city": "Houston", "state": "TX", "median_price": 10000, "p25_price": 6800, "p75_price": 14200, "severity_distribution": "[{bucket:1,min:1850,max:4121,count:727},...]", // Sandbox+ "covered_peril_mapping": "[{peril_type:"hail",frequency_weight:0.42,severity_adjustment:1.18,source_reference:"NOAA SPC 2020-2024",specificity_tier:"per_metro"},...]", // Enterprise+ "frequency_estimate": "{lambda:0.087,ci_low:0.078,ci_high:0.096,observation_years:12.3,permit_count:4844}" // Enterprise+ }, "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
Growth
$2,499/mo
50,000 calls/mo
Most PopularScale
$4,999/mo
150,000 calls/mo
Recommended for InsuranceEnterprise
$7,499/mo
Unlimited
No commitment. Cancel anytime. Annual billing saves 2 months.
Insurance Questions
Post-storm data freshness, Xactimate compatibility, and coverage details.
How quickly does the data update after a weather event?
Tier A metros like Houston refresh weekly. After a major weather event, permit filing volume increases within 30 to 60 days as contractors pull permits for repairs. The API reflects these new filings in the next weekly refresh.
Does HomeQuotr cover all our policy areas?
HomeQuotr covers 100 U.S. metros representing approximately 75% of the U.S. population. Use the /v1/cities endpoint to check coverage for specific metros.
Can this supplement Xactimate?
Yes. HomeQuotr provides a permit-sourced benchmark that is independent of Xactimate unit costs. Many carriers use both: Xactimate for line-item estimation and HomeQuotr for total-cost validation against actual market data.
Does HomeQuotr cover commercial claims?
HomeQuotr data is primarily derived from residential building permits. Commercial permit data is available in some metros but is not filtered separately. Contact us for details on commercial coverage.
Every inquiry routes to Kevin. Response within 1 business day.