Warranties, rebuilt
for the AI era.
Contractors offer an extended labor warranty on nearly every HVAC system they install. The contractor sells the plan, services the equipment and holds every record of how it performs. Yet the contractor has almost no say in how the plan works.
What’s broken.
Priced from a table.
Plans are priced from a provider’s rate table by tonnage and term, not from the risk of the shop that installs and services the unit. A careful installer pays the same as a careless one.
Little of the price reaches the repair.
In comparable consumer service plans, 27–45¢ of each dollar comes back as repairs. No one publishes the figure for HVAC.
Claims run on paper.
A typical claim needs a homeowner-signed ticket and a parts invoice. It pays a fixed number of hours per repair from the provider’s schedule, at a rate the dealer picks at signup, however long the job takes, and arrives as a check 14–30 days later.
Two things we change.
The price.
Each contractor’s plans are priced from its own equipment and repair history and refit as its book grows. The shop sets its retail price and margin, and it can share in its book’s results.
The plumbing.
Every step of a plan, from quote and registration to coverage check and claim, is designed so the contractor’s field software or AI assistant can do it directly. The repair job becomes the claim, built to be paid at documented cost or a cap the contractor chooses. No re-keying, no paper, no waiting on a check.
Why we get more valuable as AI improves.
Agents do the work. People decide.
Cosmolabe is built to run on AI agents, with people reviewing every denial and exception.
Hard to replace.
An AI assistant can draft a claim. Only the company standing behind the plan can pay it.
Built for where work is going.
Your office is starting to work through AI assistants. Cosmolabe is built to be the warranty they can work with.
Most software is a screen someone has to sit in front of. As AI assistants get better, they do that work themselves, and the screen stops mattering.
Cosmolabe is built the other way around. An assistant can draft a claim, but only the company that stands behind the plan can pay it. That takes things AI can’t make cheap: the obligation to the homeowner, insurance behind the claims, state registrations, capital, and years of real repair outcomes. Better assistants send more work to whoever can act on it.
Our own operation is built to run on AI agents with people overseeing them, so every improvement in AI lowers what it costs to run a plan. On the program we’re paid per plan, not per software seat.
Incumbents are built for people at both ends of every form. Part of their margin depends on that friction. Removing it costs them money. For us, removing it is the product.
Agents replace screens, not the company that pays the claim.
What people still do.
- Approve pricing. A credentialed actuary will review it before we sell.
- Review every denial. No model denies a claim on its own.
- Own the rules, the exceptions and the relationships with contractors and, once signed, the insurer behind the plans.
Where we are.
The pricing engine is built and tested on a working HVAC contractor’s records. Plans launch in 2027, starting in Delaware and Pennsylvania. Cosmolabe’s program company will be the obligor on every plan, with insurance behind claims wherever states require it. We’re looking for a few contractors to pilot with.
Sources: Abito and Salant, Review of Economic Studies (2019); Lowe’s and Frontdoor fiscal 2025 annual reports (Form 10-K); a leading HVAC warranty provider’s published FAQ and dealer agreement.