One flat monthly feeUse your own contractors.We’ll pay the bills.
  • 100% of repairsParts, labor and travel, including emergency visits.
  • 100% of replacementsof replacement equipmentEquipment cost, for units within useful lifeFor units within useful life. Installation excluded.
  • $0 deductibleCovered from the first dollar

From address to covered in three steps.Your building. Your quote.
Your coverage.

From your address to a quote within 24 hours, then coverage after a free inspection.

  1. 1207 Elm St, Westbrook, CO

    Enter your address

    We find your building and read every rooftop unit from aerial imagery.

  2. Your quoteOne flat monthly fee$•••Risk report3 units

    Get your quote

    One flat monthly fee and a risk report, in your inbox within 24 hours.

  3. Free inspectionCoverage startsYour contractor bills us

    Start coverage

    After a free inspection, repairs and replacements are covered.

Scription’s RoofIQ analysis showed me a five-figure liability sitting on a roof I’d never seen. I wouldn’t sign a lease with HVAC obligations without using them again.
Alyssa HutchisonHead of Sales

Your insurance stops where HVAC breakdowns start.

Property and equipment breakdown policies exclude wear and age, which is how most rooftop units actually fail. Scription covers that gap.

PropertyEquipment breakdownScription
Responds toExternal perils and damageFortuitous causesWear, age and equipment breakdown
DeductibleYesYes, often significantNone. From the first dollar.
Wear and gradual failureExcludedExcludedCovered. This is the core.
External perilsCoveredPartial, varies by formExcluded. Property and equipment breakdown respond.
Consequential losse.g. spoilage, water damagePer policyCoveredExcluded
PropertyEquip. breakdownScription
Responds to
External damage
Sudden accidents
Wear, age, breakdowns
Deductible
Yes
Yes, often high
None
Wear and gradual failure
Excluded
Excluded
Covered
External perilsstorm, fire, flood
Covered
Partial
Excluded
Consequential lossesspoilage, water damage
Per policy
Covered
Excluded

The layers stack; they don’t overlap. Nothing you carry today needs dropping.

Aerial view of commercial rooftops, with HVAC units flagged by RoofIQ

Built for the businesses on the roof.Built for businesses with rooftop HVAC.

For owners and tenants, from a single unit to a portfolio.

See industries

Good questions, short answers.

Full coverage details
How is this different from my property or equipment breakdown insurance?

Those policies respond to sudden external damage and exclude wear. Scription covers the wear, age and breakdowns they leave out, with no deductible.

Who pays for HVAC on a triple-net lease?

Usually the tenant. Most triple-net leases put HVAC repair and replacement on you. A flat monthly fee turns that open-ended liability into a fixed cost.

Do I keep my HVAC contractor?

Yes. Keep who you already use. They bill us directly.

What isn’t covered?

Preventative maintenance, plus the install labor, crane and permits on a replacement. Full terms are on the Coverage page.

How fast is the quote, and when does coverage start?

Your quote arrives within 24 hours (48 for 10 or more roofs). Coverage starts after a free inspection confirms your units.

How is it billed?

A 12-month agreement, billed monthly. Pay the year upfront and save 3%.