PA.claims · Quest Public Insurance Adjusters (#W573247) · Property Evidence & Estimate Auditing Platform
Court-Verified Property Damage Estimate Auditing, Level-0 WORM Court Vault & Insurance Policy Intelligence
PA.claims
combines an immutable
Level-0 WORM Court & Pre-Suit Notice Vault
(
312,100
raw court & NOI PDFs on disk;
121,072
scanned & page-indexed paths;
87,058
distinct SHA-256 documents;
275,182
classified spans; and
1,644,614
EAV tags) with deterministic Python
Decimal (ROUND_HALF_UP)
estimate auditing. We serve
Roofing & Restoration Contractors
,
Public Adjusters
,
Commercial Insurance Brokers
,
Court-Appointed Receivers & Special Servicers
, and
Florida Policyholders
—leading every engagement with a verified
Proof-Before-Contract Day-Zero Brief
.
Dimension 01 · Map Your Starting Point (Product Suite & Value Proposition)
1. Five Core Product Engines & Statutory Positioning Under PA.claims
Our product architecture separates
immutable primary court & policy evidence
from
deterministic Python/SQL computation
and
statutory compliance gates
. Every calculation runs in Python
Decimal (ROUND_HALF_UP)
with
$0.00
cent reconciliation—never entrusting arithmetic, deductible formulas, or statutory clocks to raw LLM token generation.
| Product Engine | Target Buyer / ICP | Core Technical Capability & Data Moat | Commercial Wedge & Statutory Compliance |
|---|---|---|---|
| Engine 1: Court-Verified Estimate Auditing Engine | Roofing & Restoration Contractors, Licensed Public Adjusters, Policyholder Counsel |
Compares carrier initial repair scopes against claimant/PA scopes and court/appraisal outcomes using deterministic
Decimal
cent math. Explicitly preserves thin carrier patch scopes (
<25
lines) in
G-C
(
75
pairs:
39
with
≥25
lines on both sides +
36
thin-carrier scopes paired against
≥25
-line PA scopes;
3
G-A
end-to-end triples reconciled) because carrier scope omission is the core signal we measure.
|
Flat-Fee Contractor/PA SaaS (
$199/scope
or
$1,500/mo
):
Strictly audits the contractor's own consenting customer files. Zero referral fees or fee-splitting under
Fla. Stat. § 626.854(12)
&
§ 489.147
(parallel separate contracts only).
|
| Engine 2: Level-0 Immutable WORM Court & Expert Vault | Court-Appointed Receivers, Special Servicers, Litigation Law Firms, Appraisers & Umpires |
Layer 0:
312,100
court & NOI PDFs (
121,072
scanned paths,
87,058
distinct SHA-256 docs) protected by PostgreSQL
BEFORE UPDATE OR DELETE
triggers and hash-chained manifests (
terminal.worm_manifest_chain
).
Layer 1:
275,182
classified spans across
24
classes and
1,644,614
EAV tags.
Layer 2: 6 pluggable SQL Value Lenses (
<50ms
query time).
|
Enterprise WORM Vault Seat (
$5,000/mo
):
Delivers source-linked docket chronologies,
761
PE/expert witness cross-docket contradiction dossiers, and court-admissible exhibit packets.
|
| Engine 3: Commercial Policy Pricing & Renewal Terminal | Independent Commercial Insurance Producers, Multifamily/HOA Boards, Coastal Property Owners |
Benchmarks commercial multifamily/COA property insurance
$/door
(
$2,150–$3,598/door
stressed vs. public Sunbelt REIT
10-Q
norms of
$590–$1,040/door
), per-building vs. blanket wind/hail deductibles (
2%
TIV vs. per-building water deductibles), roof payment schedules (
CLASS_20
), and OIR regulator metrics (
QUASR / ISU
).
|
Commercial Policy Terminal (
$500/dossier
or
$2,500/mo
):
Arms independent brokers with pre-renewal
Day-Zero Briefs
, ISO Class 6 re-rating proof, and
Fla. Stat. § 627.7011(5)(c)
insurer-approved roof inspection checklists (for homeowners policies).
|
| Engine 4: Receivership & Distressed Multifamily Origination Engine |
Court-Appointed Receivers (
Trigild
, etc.), Mortgagees / Special Servicers, Multifamily Owners (150–350+ Units)
|
Ingests federal receivership Operating Reports and Chapter 11 Monthly Operating Reports (
MORs
) alongside municipal roof permits and NOAA storm swaths. Separates occurrence-basis storm claims from expired policy X-dates, models exact wind/water deductible math, and reconciles T12 operating leaks (
RUBS
, property tax, hub payroll).
|
Proof-Before-Contract
Day-Zero Brief
:
Passes a 5-point deterministic compliance gate (State PA License/Co-Adjuster check, Policy Expiration vs. Occurrence Date, Deductible Math,
§ 626.854(12)
Zero-Split, and TCPA/FTSA check) before human review.
|
Engine 5: Licensed Florida Public Adjusting &
60/30/10
CRM Harness
|
Florida Residential, Condo/HOA & Commercial Policyholders; Service Businesses |
Direct policyholder claim representation in Florida by
Quest Public Insurance Adjusters, LLC (
#W573247
)
powered by our internal
60/30/10
deterministic architecture
(
60%
SQL/Python math & clocks,
30%
rule-based state routing,
10%
frontier LLM synthesis) and
arXiv:2603.16021v2
L0–L4
context discipline.
|
Statutory Contingency Fee in FL (
10%
emergency declaration /
20%
standard under
Fla. Stat. § 626.854
;
$0
upfront)
+
$3,500/mo
managed
60/30/10
CRM automation via
StaffedAgents.com
.
|
Dimension 02 · Pricing, Packaging & Unit Economics ( Full Pricing Page → )
2. Transparent Pricing Ladder: From Proof-Before-Contract Day-Zero Brief to Enterprise Terminal
Every customer journey starts with a Free Proof-Before-Contract Day-Zero Brief ($0) containing one verified scope omission, deductible calculation, or operating benchmark backed by primary public records. Prospects verify the math before signing any agreement.
| Tier & Package Name | Price (USD) | Primary Buyer Persona | Included Deliverables, Statutory Guardrails & Unit Economics |
|---|---|---|---|
|
Tier 0: Proof-Before-Contract Day-Zero Brief
Origination Wedge |
$0
Verified Proof First |
Receivers, Special Servicers, Brokers, Contractors, Multifamily Owners |
Source-linked
Day-Zero Brief
proving one verified anomaly (carrier scope omission, occurrence-basis storm trigger, deductible math, or
$/door
insurance spread) with exact docket/parcel citation.
|
|
Tier 1: Single Scope Audit SaaS
Self-Serve Entry |
$199
Per Scope Audit |
Roofing, Restoration & General Contractors; Public Adjusters |
Line-by-line deterministic audit of the contractor's own consenting customer carrier scope via
Decimal
cent math, flagging omitted code items (
FBC 25%
, drip edge, starter, matching) and thin carrier patch scopes (
<25
lines). 100% flat-fee SaaS (zero referral fees under
§ 626.854(12)
).
|
|
Tier 2: Pro Contractor & PA Auditing Seat
Core Recurring SaaS |
$1,500 / mo
$18,000 ARR / Seat |
Multi-Crew Restoration Contractors, Public Adjusting Firms, Construction Consultants |
Up to 15 full line-by-line scope audits/month, Stage S1–S6 PDF slicing, opposing estimate pair comparisons (
Carrier vs. PA vs. Award
), and exportable code-compliance workpapers.
|
|
Tier 3: Commercial Policy Pricing & Renewal Terminal
Broker & CRE Seat |
$2,500 / mo
or $500 / Dossier |
Independent Commercial Insurance Producers, Multifamily Owners, Condo/HOA Boards |
Full access to commercial
$/door
&
Rate/$100 TIV
benchmarks against public REIT
10-Q
filings, municipal roof-permit chronologies, NOAA hail/wind swaths, and carrier litigation behavior telemetry.
|
|
Tier 4: Enterprise Receiver & Law Firm WORM Vault
Institutional Data |
$5,000 / mo
$60,000 ARR / Seat |
Court-Appointed Receivers, Special Servicers, Property Insurance Litigation Law Firms |
Unlimited seat on the
Level-0 WORM Court Vault
: all 6 Pluggable Value Lenses over
312,100
PDFs,
761
PE engineer contradiction dossiers, federal receivership operating reports, and Chapter 11
MOR
distress radar.
|
|
Tier 5: Direct FL Public Adjusting (#W573247)
Regulated Contingency |
10% / 20% Cap
$0 Upfront (No Recovery, No Fee) |
Florida Homeowners, Condo/HOA Associations & Commercial Policyholders |
Direct licensed public adjusting by
Quest Public Insurance Adjusters, LLC (
#W573247
)
under
Fla. Stat. § 626.854
(capped at
10%
for emergency-declaration claims within 1 year;
20%
otherwise). Out-of-state claims handled via licensed in-state co-adjuster or receiver's counsel.
|
Dimension 03 · Tech Stack & Upstream Data Capture Architecture ( Full Platform Architecture → )
3. Deterministic Tech Stack, 60/30/10 Layer Triage & Compliant Public-Record Harvesters
60/30/10
Layer Triage Rule
(
60%
deterministic SQL/Python for exact math, hashes, and statutory clocks;
30%
rule-based state routing;
10%
scoped frontier LLM synthesis) is our internal engineering architecture. We pair it with McDermott & Van Clief's
Interpretable Context Methodology (
arXiv:2603.16021v2
)
strictly for
L0–L4
progressive context disclosure and the hard
REFERENCE
vs.
SOURCE
firewall.
| Stack Layer | Core Technologies & Components | Production Role, Throughput & Verification Invariants |
|---|---|---|
| 1. Dual-Node Parallel PostgreSQL WORM Vault |
PostgreSQL (
BEFORE UPDATE OR DELETE
WORM Trigger,
SELECT ... FOR UPDATE SKIP LOCKED
job queue, EAV index)
|
Stores
312,100
disk PDFs (
121,072
scanned paths,
87,058
distinct SHA-256 docs),
275,182
classified spans, and
1,644,614
EAV tags (
terminal.span_dimension_tag
) with chained SHA-256 manifests (
terminal.worm_manifest_chain
) and daily cross-host
pg_dump
restore verification.
|
2. Deterministic ECF Header + ROA Slicer (
S1_SLICE
&
S2_CLASSIFY
)
|
Python 3.12,
PyMuPDF (fitz)
,
pikepdf
XMP metadata, 7-Stage Conjunction Gate
|
Before any OCR or LLM runs on an omnibus PDF,
S1_SLICE
parses federal blue ECF headers (
Case X:XX-cv-XXXXX Document N Filed MM/DD/YY Page P of Q
) and state Record-on-Appeal (
ROA
) index pages deterministically.
S2_CLASSIFY
admits estimates only when passing XMP producer + header fields + summary math block (
RCV - Dep = ACV
) + negative gates + OIR/DFS/DBPR license joins.
|
| 3. Cent-Exact Estimate Math & Training-as-Discovery Loop |
Python
Decimal (ROUND_HALF_UP)
,
xact_gate
,
rules.rule
,
pipeline.dead_letter
|
Reconciles every line item to
$0.00
variance. Whenever predicted audit output vs. actual court award on a
G-A
case exceeds a
10%
delta, a
pipeline.dead_letter
failure row is logged and promoted into
rules.rule
only after passing an independent out-of-sample test.
|
| 4. Compliant Upstream Public-Record Harvesters |
CourtListener S3 + REST
,
FL DFS PIITIL
,
AOSC24-65
,
FL OIR QUASR
,
OpenFEMA
,
SEC EDGAR
|
•
CourtListener / RECAP:
Offline S3 bulk CSV dumps (
com-courtlistener-storage
) first + throttled REST API capped at
≤100 calls/hr
(strictly below upstream
125 calls/day (5/min, 50/hr, 125/day)
/
~125 calls/hr
limits).
• FL DFS PIITIL & Ch. 119: Polite
2 → 4
worker attachment-HTML pre-filtering + formal Ch. 119 bulk public records export.
• County Clerk Portals: Zero CAPTCHA scrapers; uses AOSC24-65 Notarized Bulk Attorney/Party Access (Palm Beach, Broward, Miami-Dade). • SEC EDGAR XBRL API (
≤10 req/sec
):
Public insurer & Sunbelt multifamily REIT filings.
|
| 5. CRM, GTM & Web Delivery Layer | GoHighLevel CRM, HubSpot GTM Integration, Base44 Static Edge CDN, Schema.org JSON-LD |
5-point deterministic compliance check on every
Day-Zero Brief
, A2P 10DLC consent/DND firewall, and human-approved dispatch.
|
Dimension 04 · Competitive Landscape & Defensible Moat ( Full Competitor Matrix → )
4. How PA.claims Compares Against Legacy Incumbents & Prompt-Only AI Wrappers
| Competitor Category | Named Competitors | Incumbent Blind Spot / Vulnerability | PA.claims Structural & Evidentiary Advantage |
|---|---|---|---|
| Estimating Software Monopolies |
Verisk / Xactware (
NASDAQ: VRSK
, ~8.92x Forward EV/Rev), CoreLogic / Symbility
|
Sells blank-page estimating forms and price lists; does not audit carrier scope omissions across litigated court outcomes or link municipal permit/tax records. |
We operate strictly outside the Sept 14, 2026 Verisk EULA firewall using public court filings, independent RSMeans/municipal benchmarks, and opposing estimate comparisons (
Carrier vs. PA vs. Award
).
|
| Aerial Measurement & Sketch Providers | EagleView, HOVER | Provide roof/exterior geometry measurements only; cannot read policy deductibles, Ordinance or Law endorsements, or audit line-item carrier omissions. |
Integrates physical roof/envelope geometry directly with policy deductible math, building code upgrade triggers (
FBC 25%
), and litigated carrier pair priors.
|
| Carrier Forensic Engineering Firms | Donan Engineering, SDII Global, Haag Engineering, JS Held | Produce single-claim causation reports for insurance carriers; claimants rarely see where the same engineer contradicted those findings in prior depositions. |
Our WORM Vault indexes
761
PE engineer dossiers and court transcripts, surfacing cross-docket methodology contradictions in seconds.
|
| Generic AI Estimate & Vision Wrappers | Hostage Tape / ClaimText / Generic GPT PDF wrappers |
Use raw LLMs for arithmetic, silently reject thin carrier scopes (
<25
lines), and lack court outcome proof or statutory compliance gates.
|
100%
Python
Decimal
cent math, explicit preservation of thin carrier scopes (
36
thin-carrier pairs in
G-C
), and deterministic
S1_SLICE
/
S2_CLASSIFY
gates.
|
Dimension 05 · Show Us Your Motion (HubSpot Step 2 Inputs & 90-Day Roadmap Priorities)
5. Proof-Before-Contract GTM Motion, Team Setup & Top 90-Day Bottlenecks
A. Four Active Go-To-Market Channels
-
Channel 1 — Consent-Based Roofer & Restoration Contractor SaaS (
$199/scope→$1,500/mo): Auditing contractors' own consenting customers' carrier scopes for omitted code upgrades and thin patch scopes (<25lines) with zero referral fees or fee-splitting (Fla. Stat. § 626.854(12)). -
Channel 2 — Court-Appointed Receiver & Special Servicer
Day-Zero Briefs($5,000/moEnterprise Seat / Co-Adjuster Retention): Monitoring federal receivership Operating Reports and Chapter 11MORsto deliver pre-underwritten storm/water claim & T12 operating audits to receivers (Trigild, etc.) and mortgagee counsel. -
Channel 3 — B2B2C Independent Insurance Broker Renewal Flywheel (
$500/dossier→$2,500/mo): Arming commercial and coastal producers ahead of active policy renewals with$/doorbenchmarks, deductible sensitivity models, and§ 627.7011(5)(c)roof inspection packages. -
Channel 4 — Direct Florida Public Adjusting (
Quest PA #W573247): High-trust contingency representation for Florida homeowners, condo associations, and commercial property owners (Hurricane Isaias, wind, roof, and water claims).
B. Team Size, Setup & Live Corpus Telemetry
-
Team Structure:
Lean founder-led executive & licensed adjusting team led by
John Andrew Alvarado
(Harvard A.B. Psychology cum laude; Licensed FL Public Adjuster
#W573247; 25+ years leading real estate, hospitality, multifamily, and insurance claims operations) paired with a 5-seat autonomous AI engineering mesh (Argon,Instinct,Astra,Fable,Brock). -
Database-Verified Corpus Baseline:
312,100raw disk PDFs;121,072scanned file paths;87,058distinct SHA-256 documents;275,182classified spans;1,644,614EAV tags; and106opposing estimate pairs stored (75G-Cadversarial pairs +3end-to-endG-Acases reconciled). -
Sales & Origination Motion:
Proof-Before-Contract
(deliver a source-linked
Day-Zero Brieffirst) → 15-minute diagnostic review →$199–$500single-asset audit or$1,500–$5,000/morecurring terminal subscription.
C. Where Things Feel Stuck (Top 3 Bottlenecks for HubSpot's 90-Day Roadmap Scorer)
| Bottleneck Area | What Feels Stuck Today (Current Constraint) | 90-Day Unlock Goal (What We Want HubSpot GTM to Sequence) |
|---|---|---|
1. Graduating Storage Pairs into Machine-Reconciled
G-A
Triples
|
We have
312,100
raw PDFs,
275,182
classified spans, and
106
opposing estimate pairs stored (including
75
G-C
pairs and
3
reconciled
G-A
cases), but scaling automated ECF/ROA deterministic slicing (
S1_SLICE
) and outcome-instrument linking (
S5_EXTRACT_OUTCOME
) into hundreds of strictly machine-reconciled
G-A
triples is our #1 technical throughput bottleneck.
|
Deploy our deterministic federal ECF header + state ROA index slicer across the paused
312,100
-PDF backlog and link
PIITIL
pre-suit notices to federal removal dockets while immediately monetizing our
75
G-C
pairs in self-serve Contractor Scope Audits.
|
| 2. Sequencing 4 High-Value Wedges With a Lean Founder-Led Team |
Because our WORM Vault powers Contractor Scope Audits (
$199–$1,500/mo
), Broker Renewal Terminals (
$2,500/mo
), Receiver/MOR Day-Zero Briefs (
$5,000/mo
), and Direct FL Public Adjusting (
#W573247
), outbound execution can fragment across too many buyer personas at once.
|
Enforce a strict 90-Day Single-Wedge Cadence : Days 1–30 on Receiver/Multifamily Day-Zero Briefs & $199–$1,500/mo Contractor Scope Audits , Days 31–60 adding the Independent Broker Renewal Flywheel , and Days 61–90 scaling $2,500–$5,000/mo Institutional Terminal seats . |
| 3. State-Court Docket Coverage for Domestic Florida Carriers |
Federal court filings (
RECAP
) over-index on surplus-lines and out-of-state diversity carriers, whereas high-volume domestic Florida carriers (
Citizens
,
Universal
,
HCI/TypTap
,
Heritage
,
Slide
) litigate primarily in Florida Circuit Courts.
|
Execute
AOSC24-65
notarized bulk clerk access agreements
(Palm Beach, Broward, Miami-Dade) and
Ch. 119
DFS
PIITIL
bulk exports
(with zero CAPTCHA scrapers) to ingest domestic state-court estimate pairs at scale.
|