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Warranty Readiness Report shareable

What this book supports, as a one-page report you can send: indicative price ranges, the revenue opportunity across attach scenarios, and a data-quality read. Per-unit rates stay behind the program agreement.

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Load a sample book to watch Astrolabe price warranties end to end — or import your own ServiceTitan / CSV export.
Book risk model inputs concentration · tail · exposure — from your imported repair history

Geographic concentration

zip · size = incurred $ · colour = severity

Correlated-failure concentration

system × capacity · incurred $

Aggregate loss exceedance (EP curve)

annual · full book (§4e)
load portfolio (Analytics) for the tail view

Active risk signals

Concentration flags from the imported repair history.

Exposure by system

Share of incurred cost in the training history.

Program inputs

Coverage and payment switch instantly — no refit.

Recommended premium

No fitted model yet — a quote needs your repair history first.

This is your internal number. The quote card is what the homeowner sees — your business name, term options, plain-English coverage, sized for a phone at the kitchen table.

Catastrophe / tail risk §4e

Your whole book’s bad-year risk (not one contract). A Monte-Carlo of annual portfolio losses: expected loss = a typical year’s claims; 1-in-100 cap = the loss exceeded only 1 year in 100; risk margin = the average loss inside that worst 1% minus the typical year — the capital cushion you’d reserve or reinsure against.

Rate-sheet matrix

Labor-only vs bumper-to-bumper premium across every system & brand — grouped by system type.

Fit a book, then build the rate sheet.

Upload your book

Your own service history — an export from ServiceTitan, or a spreadsheet. Books accumulate: add equipment first, then repairs, and they link across uploads.

Equipment file needs:
Repairs file needs:
Different headings are fine — you map them on the next screen. equipment template · repairs template
or a JSON book
no uploads yet — add one to start a book

Manufacturer part-warranty terms

Bumper-to-bumper covers parts only after the OEM's part warranty ends — and that term varies by brand.

Add an import to list its brands.

Book batches

Every import, with its data-quality read-out.

Warranty analytics BETA

Operational metrics over your live book — contracts in force, claims filed, cost and denial rates. Lights up as real claims arrive.

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Warranty cost trend

authorized vs paid · monthly

Cost breakdown

Claims breakdown

Claims frequency by policy

Claims opened per contract in force, by policy.

Covered equipment

Where the loss comes from model input

Decomposed from the imported repair history that trains the model (§4e).

Fit a book to see the charts.

Exposure by category

Share of incurred cost by system type.

Claim mix

Incurred cost by component.

Portfolio & risk

Pick which book to view: the preliminary model (fitted from imported repair history) or your actual book of contracts sold.

Consent pool

Submit experience & consent, then build the shared pool (admin, §4e).

Methodology & model fit §4f · exportable

A full, citeable methodology paper for your book — the actuarial method woven with your actual fitted numbers. View here, or export to share with an actuary, counsel, or a client.

Backtest — predicted vs. actual out-of-time

Fit the model on your history up to a cutoff, then check its predictions against the claims that actually came in after. The strongest proof the model works: it being right on data it had not seen.

Click “Run backtest” to validate this book's model on held-out claims.

Whole-unit lifespan replacement survival

A second install at the same address means the old unit died and was replaced — an observed lifespan. This fits the long-tail ages (10–20 yr) the repair-based curve is thinnest on. Needs a multi-year install history to have replacements to fit.

Click “Estimate lifespan” to fit a whole-unit lifespan curve from repeat installs.
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New contract sell from the book

The model prices the equipment in front of you — brand, capacity, ZIP, age. A SKU is optional: it fills in defaults and shows what your book would have charged, so you can see where the two differ.

no product selected
What the equipment IS — this is what the model prices on. A SKU fills these in; correct them if the equipment differs, because the price follows the risk, not the label.
Model price — priced on this equipment, in this ZIP
+ add component
A warranty covers a system — list each component. Claims match on these serials.
Tick only what the customer actually agreed to, in front of them. This is the record that proves you had permission before you called; it cannot be back-filled after the fact.

Contracts book of business

File a claim against a policy

Pick the policy (type the customer name), describe the problem and its cost. It enters the workflow as Submitted.

search by customer name, service address, or unit serial
pick a policy first — the list narrows to that equipment's covered failure points

Claims adjudication

Submitted → in review → approved / denied → paid → closed. Approved claims feed the model as experience.

Customers

Held from contracts and CRM imports.

Complaints consumer-trust KPI

Complaints arrive by phone, DOI inquiry, or AG referral — channels that leave no trace in the claims table. Log them as they happen: the rate cannot be reconstructed later, and complaints per 1,000 in-force contracts is the first number a state examiner asks for.

No complaints logged.

Price book contract types & SKUs

The products you sell: family × capacity × efficiency × term, each with its price and the admin/reserve cost split. Contracts are written against a SKU, so premium follows the book instead of being retyped.

No products yet — you can sell on the model's suggested price, or load a price book to quote from fixed SKUs.

Import SKU-based contracts

One row per covered component — several rows share a contract. They're grouped into a contract plus its equipment list, and priced from the book by SKU.

Recognised income & outstanding obligation

Money collected up front is not income up front. Each contract earns along its own expected-loss curve, so this is what you may actually book — and what you still owe in future repairs.

Nothing to earn yet — the clock starts with your first sold contract.

Month-end reserve close what you can take as income

Of the funds you hold, how much must stay reserved for future repairs and unpaid claims — and how much of this period's earnings you may recognise as profit. Decision support, not a statutory reserve; moving money is a separate, human-approved step.

Recognisable over the next 12 months

if you sell nothing else

Book status

What is on risk, and what needs attention.

Contracts that cost more than they brought in

Claims paid against the price collected — the renewal and re-pricing list. Claims are actuals; earned and unearned are modelled, so they are never netted together.

All contracts

Report NameModuleTypeDate RangeCreated ByLast RunRows
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Go-live readiness checking…

first real sale: sell → collect → claim

The full sell → collect → claim flow is wired. These are the credentials & DNS to switch it on — the unmet items are things to supply, not code to write.

Manage Users & Roles permissions

Define roles with granular permissions, then assign one to each teammate. Members with no role assigned keep full access.

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They get a link to set their own password. It expires in 14 days.

Your environment public surfaces

Each company has its own branded, tokenized surfaces. Embed the contract form on your website so homeowners can enroll, and share the claim portal link so they can look up their coverage — both land in your workspace.

Security two-factor

Add a second step at sign-in with an authenticator app (Google Authenticator, Authy, 1Password…). Strongly recommended for admins.

Coverages & failure points catalog

The covered-component vocabulary claims are filed against, by equipment class. This drives the claim form's component picker and the failure-point analytics.

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Coverage questions service tech

What a technician is asked when filing a claim. Leave the equipment class blank to ask it on every claim.

Email templates notifications

The copy sent when a lifecycle event fires. Edit any of them, or leave the shipped default. A workflow rule with its own wording still overrides both. The contract document email is generated separately — its disclaimer language isn't editable.

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Claim workflow lifecycle

The claim status lifecycle and the exact transitions the system enforces — from a new filing through review to approval/denial, payment, and close.

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Business profile branding

Your company details — shown on your public forms, emails and invoices.

Localization

Default timezone for dates across the dashboard.

Tax

Whether policies are taxable in your jurisdiction.

When off, no tax is collected for any policy.

Contract configuration

Claim configuration

Provider email notifications

Who receives contract and claim event notifications.

Workflow rules automation

Automate a notification when something happens — e.g. email your ops inbox whenever a claim is denied. Rules fire on lifecycle events.

RuleWhenNotifyStatus
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System types lookups

Curate the option lists your team draws from — payout, commission and claim-payment types, and service categories.

Labor rate affects pricing

Your hourly labor rate. A warranty prices the labor you’d pay out, so this scales every model-suggested premium.

Pricing policy affects pricing

Set your markup and how bumper-to-bumper is handled. These apply to every quote — no refit needed for the markup.

The share of premium you expect to pay out in claims. Lower = more margin. 60% means the customer premium is your expected claims ÷ 0.60.
When your data has no parts costs, estimate bumper-to-bumper parts as this fraction of labor. 0 turns it off (B2B = labor-only). This is an assumption, not experience — changing it re-fits the model.
Your model is fitted on organic repairs — people who called and paid. Under a warranty the repair is free, so it's claimed more often. This multiplies the premium to correct for that. Leave it off (1) only once you're pricing from real warranty claims; for a cold-start price set it above 1 (recommended ≥ 2.5, conservative). Applies to new quotes immediately — no refit.
Bigger systems cost more to repair, so price books tier by capacity. Your book has too few claims per band to measure this, so these are your judgment, not fitted from experience — they're versioned and shown on the Model math page. 1.00 everywhere = off. The 2.5–3T base stays 1.00; the others are relative to it. Furnaces are unaffected (they're rated in BTU, not tons).
A unit that runs harder wears faster — a year-round Texas condenser fails sooner than a Maine one. Zones come from each unit's ZIP (cooling/heating degree-days). Your book is one market, so it can't measure this — these are your judgment by climate zone, versioned and shown on Model math, and become fitted once the pool spans climates. 1.00 everywhere = off.
How the cost per repair is priced. Fitted learns a Gamma/lognormal from your claim costs. Structural prices each repair as diagnostic + allowed-hours × labor rate from the fee schedule — steadier on thin books and it re-prices cleanly across labor-rate tiers. Applies on your next fit; the rate tier is still your labor-rate setting (no double-count).

Account

Your sign-in and plan.

Payments Stripe Connect

Connect your Stripe account so clients pay you for warranties — funds go straight to you, never through Astrolabe.

Email

Sending contracts to clients (Amazon SES).

Team users & invites

Who can access this workspace. Invite teammates by email — they get a link to set their own password and join.

Access log who did what

Every change made in this workspace, and every time Astrolabe staff opened it. Staff can act inside any account — that is how support and onboarding work — so the control is this record, not the door.

System status platform

What the app can report about itself and the fleet. Server/DB metrics & uptime alerts live in CloudWatch.

Create a company

Provision a new tenant and (optionally) invite its owner — the safe way to onboard a contractor, since open signup is first-come.

Accounts admin

Every company on the platform — its data, contracts, claims, and model status. Switch into any account to work inside it, invite an owner, or grant/suspend access.

Map your CSV

Columns are auto-matched (✓); adjust any dropdown. * = required.

Assistant · reads your book
Read-only: it explains and quotes. Model-suggested estimates for decision support — not insurance, not a filed rate.