The line you can't plan just became the line you can.

One fixed annual premium for your HVAC rooftop fleet. Your providers handle repair and maintenance; Scription pays the bills and earns its margin through efficiency, not failure.

Reactive spend today: volatile
With Scription: one fixed premium
A licensed insurance program / A+ rated paper / Institutional reinsurance
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.

bad-year exposure
up to
44%
Rooftop packaged unit — line schematic
of budget variance you're exposed to in a bad year of reactive HVAC spendIndustry benchmark
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.
RoofIQ // Risk Report None of it shows up as a line item. See your version of these numbers.
Request Your Report →
Sec.02 // Program

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

Rooftop HVAC fleet under a single coverage envelope
What you pay
One fixed premium
Billed evenly, all year.
What you get
Every breakdown covered
Parts, labor, and travel.
What stays yours
Your existing providers
Same team, same CMMS.
What changes

From sporadic to flat.

Every spike, one flat line.

01

Priced on your fleet

Every unit scored on its own risk.

02

Predictable by design

One premium. August or February.

03

Real capital behind it

Licensed carrier. A+ paper. Real reinsurance.

04

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.

Seen
Aerial imagery and public records locate every rooftop unit, with no roof visit.
Priced
RoofIQ fuses imagery, climate, and repair history into an expected loss per asset.
Carried
A licensed carrier and reinsurance hold the book, so volatility moves off your balance sheet.
Seen. Priced. Carried.
Commercial HVAC is finally insurable.
Sec.04 // RoofIQ

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
AGE LOAD SERVICE CLIMATE SIGNAL
Building & envelope
Built2008
Elevation112 m
Climate zone3B
Roof area14,200 ft²
Equipment inventory
UnitModelTonAgeHealth
RTU-4748TCED087.511Elevated
RTU-48YHC0605.07Watch
RTU-49KGA0927.54Nominal
MUA-01DGX-118106Nominal
Sec.04.2 // Fleet Risk Report
Scored per asset, rolled up to a single fleet verdict.
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
01
Fault detected
You or Scription
02
Work order created
Your CMMS
03
Provider dispatched
You or Scription
04
Invoice reviewed
Scription
05
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.
+50%+100%+150%0%% ABOVE TODAY 2025202620272028worst casemost likelywith Scriptionbest case
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.
Sec.07 // FAQ

Questions, answered.

The short version of what operators ask us first. Want the detail for your own fleet? Talk to us.

Q.01Is this a warranty or a service contract?

No, and the difference matters. A warranty or service contract is an obligation of a manufacturer or contractor. Scription is a licensed commercial insurance program: HVAC breakdown coverage underwritten and backed by a regulated carrier and reinsurance, with the volatility carried off your balance sheet.

Q.02Do we have to replace our rooftop units to qualify?

No. Coverage can be written on the units you already run. Replacing aging equipment is one way in, but existing fleets are underwritten from aerial imagery, public permit records, and your service history, with no roof visit required.

Q.03How is our price determined?

RoofIQ, our underwriting engine, fuses aerial imagery, permits, climate data, and your service history into an expected loss for each unit. Your price reflects your actual fleet and how it’s likely to behave, not a blanket rate applied to everyone.

Q.04Can we keep our current service provider?

Yes. The program doesn’t force a vendor change. Your existing providers keep doing the work they do today. Scription sits on the coverage and loss-control side, not between you and your contractor.

Q.05What exactly is the RoofIQ Risk Report?

A free, no-obligation read of your rooftop fleet: an underwriter’s view of portfolio cost, risk, and what to do about it. It’s how most conversations start, and it doesn’t commit you to coverage.

Q.06Who actually carries the risk?

A licensed carrier and reinsurance hold the book: the same regulated capital that stands behind the coverage, not our balance sheet. That’s what lets a single breakdown, or a bad year across the fleet, move off your P&L.