Scription — Aligned Coverage

The alignment

For decades, commercial HVAC rewarded breakdowns, dispatches, and repairs; so costs drifted up with no built-in reason to come down.

Scription flips the model. We insure your fleet at one flat rate, then make our margin by finding efficiencies that lower the actual cost to run it.

Our margin comes from efficiency, not failure.

Sec.01 // Exposure

Almost every fleet we assess is overpaying — in ways that don't show up on any one invoice.

Not because anyone did anything wrong, but because the market was never built to catch these.

P95 · bad-year exposure

up to

44%

of budget variance you're exposed to in a bad year of reactive HVAC spendIndustry benchmark · P95 outcome

3–9×

Emergency premiumAn unplanned breakdown costs three to nine times the same repair done on schedule — after-hours labor, expedited parts, a truck rolled at the worst possible moment.

1in5

You pay twiceEven at the industry's fix-rate target, one in five calls needs a return visit for the same fault — a second truck roll, billed again, on a problem that should have closed the first time.

$300→$3K

Small faults, ignoredA low charge or a dirty coil is a cheap fix — until it runs. Left alone it cascades into a compressor or motor failure between $4,000 and $18,000.

4×

Capital aimed by ageEvery dollar of misplaced maintenance eventually costs four times as much in capital renewal. Replace the oldest units on paper and you miss the ones actually failing.

Sec.02 // Coverage

One number you can bank. Here’s why it holds.

Rooftop HVAC fleet under a single coverage envelope

What changes

From sporadic to flat.

Every spike, one flat line.

Priced on your fleet

Every unit scored on its own risk.

Predictable by design

One premium. August or February.

Real capital behind it

Licensed carrier. A+ paper. Real reinsurance.

Aligned, not adversarial

We win only when your cost falls.

Your spend, flattened.
Your operation, untouched.

Book an intro call →

Insurer, not contractor.

You keep your providers, CMMS, and workflows. We hold the risk and pay the claims.

Flattened, not added.

The dollars you already spend, priced as one flat premium. The volatility is ours.

Sec.03 // Why now

Three things had to become true at once.

01 · Seen

Every unit, located

Commercial HVAC was invisible at the unit level for decades. Aerial imagery, permits, and public records now locate every rooftop unit — no roof visit.

02 · Priced

Every risk, priced

Seeing a unit isn't pricing it. RoofIQ fuses imagery, climate, runtime, and repair history into an expected loss for every asset in your fleet.

03 · Carried

Every dollar, carried

A priced risk still needs a balance sheet. A licensed carrier and institutional reinsurance hold the book — the volatility moves off your books and onto theirs.

Seen. Priced. Carried.

Commercial HVAC is finally insurable.

Sec.04 // Telemetry

This is what RoofIQ sees on one location.

Every rooftop unit, enriched and fused into a single asset record. No site visit. No ride-along.

RoofIQ aerial capture — isometric wireframe of a commercial rooftop with six rooftop units identified

Aerial imageryHigh-resolution passes locate every rooftop unit across the fleet.

Permits & recordsBuilding permits and equipment filings fix install dates and specs.

Climate & local dataClimate, occupancy, and local conditions frame the load on each unit.

AI reasoning & scoringModels fuse every input into a scored, per-asset risk profile.

Sec.04.1 // Asset Record

RoofIQ site capture — rooftop plan on the survey grid, at-risk units flagged, one asset locked under a reticle

Asset record Copperline Kitchen · Fontana, CA

Building & envelope

Built2008

Elevation112 m

Climate zone3B

Roof area14,200 ft²

Equipment inventory

Unit	Mfr	Model	Ton	Age	Health
RTU-47	Carrier	48TCED08	7.5	11	Elevated
RTU-48	Trane	YHC060	5.0	7	Watch
RTU-49	Lennox	KGA092	7.5	4	Nominal
MUA-01	Greenheck	DGX-118	10	6	Nominal

Sec.04.2 // Fleet Risk Assessment

Scored per asset, rolled up to a single fleet verdict.

Copperline Portfolio · 43 locations

Projected reactive spend

Rank 0143

Fleet Risk Index

68 / 100

Elevated

5-yr projected reactive spend

$312K

P50 · modeled uncovered

Sec.05 // Claim flow

Your operation runs exactly as it does today.

The work order flows through your CMMS and your providers. Some steps can sit with your team or with us — but the invoice always ends on our side. You're never in the payment chain.

Scription field response — a service truck on site beneath a RoofIQ thermal overlay flagging an elevated unit

Fault detected

You or Scription

Work order created

Your CMMS

Provider dispatched

You or Scription

Invoice reviewed

Scription

Provider paid

Scription

Sec.06 // Compounding

Every year we run your fleet, the gap widens in your favor.

Reactive spend compounds, and the range of a bad year only widens. From year two, the program returns more than coverage.

Projected cost · % above today

Costs compound. The range runs away from you.

Stay, and the coverage deepens.

Qualifying fleets unlock added protection layered on top of the base program:

Standby cooling, included

If a covered unit drops in peak season, temporary cooling keeps the space open through the repair — at no added cost.

An uptime commitment

A floor on system availability across your fleet — in writing, backed by the same regulated capital as your coverage.

Revenue-loss coverage

If a covered breakdown takes a location offline, the program absorbs the lost revenue — not just the repair.

Backed by regulated capital — not our balance sheet.