PA.claims Pricing, Packaging & Statutory Compliance · HubSpot GTM Audit Ready
Proof-Before-Contract Pricing: Start With a Verified Day-Zero Brief, Pay for Proven Value
Every engagement begins with a Free Proof-Before-Contract Day-Zero Brief ($0) that proves a specific, source-linked scope omission, deductible calculation, or insurance $/door anomaly before you sign a contract. From there, buyers select flat-fee SaaS scope audits ($199), recurring software/terminal seats ($1,500–$5,000/mo), or regulated contingency Public Adjusting in Florida (#W573247).
Tier 0 Origination Wedge
$0 Day-Zero Brief
Proof-Before-Contract Primary Source Audit
Tier 1 Single Scope Audit
$199 / scope
Consent-Based Contractor/PA Flat-Fee SaaS
Tier 2 Pro Auditing Seat
$1,500 / mo
15 Scope Audits/Mo + Code Upgrade Workpapers
Tier 3 & 4 Institutional
$2.5K – $5K/mo
Policy Pricing Terminal & Enterprise WORM Vault
Tier 5 FL Public Adjusting
10% / 20% Cap
Quest PA (#W573247) · $0 Upfront Contingency
Complete Package Comparison
1. Six Commercial Tiers Across Estimate Auditing SaaS, WORM Data Terminals & Licensed Public Adjusting
| Tier & Package | Price & Billing | Ideal Buyer | What Is Included | Target ROI / Conversion |
|---|---|---|---|---|
| Tier 0: Proof-Before-Contract Day-Zero Brief | $0 Proof-Before-Contract |
Court Receivers, Special Servicers, Multifamily Owners, Brokers, Roofers | Source-linked 1-page Day-Zero Brief proving one verified anomaly (occurrence-basis storm claim trigger, deductible math, thin carrier scope, or $/door spread) passing our 5-point compliance check. |
Earns the 15-min diagnostic call with zero cold-pitch friction. |
| Tier 1: Single Scope Audit SaaS | $199 Per Scope (Flat Fee) |
Roofing & Restoration Contractors (#CCC/#CGC), Public Adjusters |
Deterministic Decimal cent-math check + line-by-line comparison of the customer's carrier scope against code requirements (FBC 25%, matching, starter/drip/flashing) and litigated pair priors. |
Identifies omitted code & trade line items on consenting customer files (zero fee-splitting). |
| Tier 2: Pro Contractor & PA Seat | $1,500 / mo Monthly SaaS ($18K/yr) |
Multi-Crew Restoration Contractors & Public Adjusting Firms | Up to 15 full scope audits/month, Stage S1–S6 PDF slicing, opposing estimate pair lookups (75 G-C pairs including 36 thin-carrier scopes), and exportable line-item workpapers. |
Replaces 20+ hours/week of manual estimator review at ~$100/scope effective cost. |
| Tier 3: Commercial Policy Pricing & Renewal Terminal | $2,500 / mo or $500 / Dossier |
Independent Commercial Insurance Producers, Condo/HOA Boards, CRE Buyers | Pre-renewal intelligence packet: $/door & Rate/$100 TIV benchmark vs. public REITs, ISO Class 6 construction check, NOAA storm swaths, permit chronology, and § 627.7011(5)(c) roof inspection guide. |
Helps brokers win $15K–$75K commission accounts on 150–350+ unit properties. |
| Tier 4: Enterprise Receiver & Law Firm WORM Vault | $5,000 / mo Monthly Seat ($60K/yr) |
Court-Appointed Receivers (Trigild, etc.), Special Servicers, Litigation Law Firms |
Unlimited queries across all 6 Pluggable Value Lenses (312,100 WORM PDFs), 761 PE engineer contradiction dossiers, carrier behavior & OIR regulator telemetry, and receivership/Chapter 11 MOR feeds. |
Delivers institutional diligence & cross-examination evidence in <50ms. |
Tier 5: Direct FL Public Adjusting (#W573247) & StaffedAgents.com Harness |
10% / 20% FL PA or $5K + $3.5K/mo CRM |
Florida Policyholders (Contingency PA) & Operating Service Brands (CRM Harness) | FL Public Adjusting: Direct representation by Quest Public Insurance Adjusters, LLC (#W573247; $0 upfront; capped by Fla. Stat. § 626.854).CRM Harness: $5,000 Paid Discovery + $3,500/mo managed 60/30/10 GoHighLevel automation. |
Aligns contingency claim recovery and deterministic lead conversion. |
Regulatory & Licensing Firewall (SOP-8 Enforced)
2. Strict Five-Point Statutory & Licensing Precision Across Every Monetization Lane
A. Contractor & Roofer SaaS Lane (Zero Referral Splits)
Our $199/scope and $1,500/mo Estimate Auditing SaaS is strictly a flat-fee software and documentary analysis service run on a contractor's own consenting customer files.
Fla. Stat. § 626.854(12)&§ 489.147Lock: Zero referral fees, fee-splits, or compensation of any kind ever flow between a roofer (#CCC/#CGC) and Quest PA. When both are retained by a policyholder, they operate under strictly parallel, separate contracts.Fla. Stat. § 627.7011(5)(c)Precision: Requires an insurer-approved inspector and protects only against refusal to issue/renew solely because of roof age on Florida homeowners policies (surplus lines is outside Ch. 627).
B. Florida Public Adjusting vs. Out-of-State Receivership Protocol
We enforce a bright-line jurisdictional boundary across state lines:
- Florida Direct Representation: Conducted exclusively by Quest Public Insurance Adjusters, LLC (
pa.claims, FL License#W573247, Firm#W863280) under statutory fee caps (10%for emergency-declaration claims within 1 year;20%otherwise). - Alabama (
Ala. Code Title 27, Ch. 9A) & Louisiana (La. R.S. 22:1703): Out-of-state claim adjusting requires non-resident PA licensing or formal retention through a licensed in-state co-adjuster or the court-appointed receiver's / lender's legal counsel; otherwise our work is strictly limited to analytical operating-budget, tax, and documentary consulting.