About Polygrade
Polygrade is an AI-native claims management platform for the warranty industry. Our founders spent years inside warranty and home services operations, saw an industry that modern software had passed over, and built Polygrade to serve it.
As mentioned in
OUR STORY
How it started
Polygrade’s founders have built software for home services and run the operations it serves.
David Steckel was Chief Product Officer at Sears Home Services when he and Eui Chung led its move off a mainframe and reconnected every warranty company Sears worked with. Inside those operations the pattern was the same everywhere: the same team structures, the same systems and the same manual workarounds, with no modern software built for any of it.
Polygrade started with the problem that made it clearest: getting invoices approved and contractors paid. Warranty companies showed us the bigger lever was earlier in the claim, in severity, so we kept building up the claim from there.
Today Polygrade’s specialized AI agents do the work across five stages of the claim: first notice of loss, pre-dispatch triage, authorization, parts procurement and payment. They sit on top of the systems warranty companies already run, follow each company’s own rules, and are measured on the numbers every claim ladders up to: severity, cost to serve and cycle time.
OUR MISSION
Give warranty the claims infrastructure it never got.
Property and casualty insurance spent two decades building real claims infrastructure. Warranty didn’t get the same investment. Our AI agents now do the work at each stage of the claim:
FNOL
Every claim captured, around the clock
Web, chat, SMS and voice intake that checks coverage before dispatch, in place of call center scripts.
Explore FNOL →
TRIAGE
The right fix before a truck rolls
Model, serial, photos and symptoms gathered up front, in place of manual dispatch decisions.
Explore Triage →
PARTS
Every supplier searched at once
Fit validated, price and shipping compared and orders tracked, in place of fifteen browser tabs.
Explore Parts →
PAY
Invoices checked, pros paid
Every invoice validated against its authorization before payment, in place of review by spreadsheet.
LEADERSHIP
The people building Polygrade
Kaustubh Vongole is the Co-founder & Head of Product at Polygrade. He previously led fulfillment product at Sears Home Services, owning field service management, dispatch, routing, service order management, and customer notifications across a network of more than 2,500 technicians. He headed its AI strategy for fulfillment, where dynamic routing and proactive customer outreach cut appointment cancellations by 10 percent, and before that led field service tooling and product-led growth at GoSite.
Previously
Sears Home Services, GoSite
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SECURITY
Security and compliance
Polygrade is SOC 2 compliant, with both Type I and Type II audits complete. Every client runs on its own instance, and every AI recommendation shows the inputs behind it and is logged.
SOC 2 Type I and Type II
Independently audited controls covering security, availability, and confidentiality.
Company-specific instances
Each client runs on its own instance. Claim data, customer records, and contract terms are never shared across carriers.
Red team tested
Polygrade has completed enterprise red team security testing conducted by an enterprise home warranty client.
Explainable by default
Every recommendation carries a confidence level, the inputs behind it, and a logged audit trail.
FAQ
Frequently asked questions about Polygrade
The questions warranty operators, partners, and analysts ask most often about what Polygrade is, how it is priced, and where it fits. For anything not covered here, contact the Polygrade team.
What is Polygrade?
Polygrade is an AI-native claims management platform for the warranty industry. It automates the warranty claim from first notice of loss through contractor payment, covering intake, dispatch logic, authorization decisioning, parts procurement, invoice processing and contractor payments. Polygrade sits above a warranty company’s existing claims, dispatch and policy systems, which remain the system of record, and its AI agents perform the work of each claim. It serves home warranty carriers, extended warranty providers and OEM warranty programs in the United States.
Who founded Polygrade?
Polygrade was founded in 2025 by David Steckel, Founder and CEO, who was joined by co-founders Eui Chung, CTO, and Kaustubh Vongole, Head of Product. Between them they bring decades of experience building software for home services and running warranty and field service operations at scale.
Who invests in Polygrade?
Polygrade is backed by Construct Capital, AmFam Ventures, Nine Four Ventures, Hustle Fund and Room and Pillar.
What parts of the warranty claim does Polygrade handle?
Polygrade’s AI agents work across five stages of the claim lifecycle: first notice of loss, pre-dispatch triage, authorization, parts procurement and payment. They operate within each warranty company’s own rules and thresholds, and route exceptions to a person for review.
Does Polygrade replace existing warranty systems?
No. Polygrade connects to a warranty company’s existing claims, dispatch and policy systems, which remain the system of record, and does the work of the claim on top of them. Every deployment includes a dedicated Forward Deployed Engineer who builds the connectors alongside the client’s team.
Who uses Polygrade?
Companies that administer warranty and service contract claims: home warranty carriers and home service contract providers, extended warranty and service contract administrators, OEM warranty programs, private equity backed warranty groups operating multiple brands, and insurers handling equipment breakdown claims.
Is Polygrade secure and SOC 2 compliant?
Yes. Polygrade has completed both SOC 2 Type I and Type II audits. Each client runs on a company-specific instance with no cross-client data overlap, and every AI recommendation carries a confidence level, the inputs behind it and a logged audit trail.
Is Polygrade the same company as the ProPay payment processor?
No. Polygrade, formerly ProPay, is an AI-native claims management platform for the warranty industry at polygrade.com. It is not affiliated with ProPay Inc., the payment processing company owned by Global Payments.
Where is Polygrade based?
Polygrade is headquartered in Cedar City, Utah, with offices in Toronto, St. George, Utah and Austin, Texas.
When was Polygrade founded?
Polygrade was founded in 2025 by David Steckel, Eui Chung, and Kaustubh Vongole.
Is Polygrade a software company or a service provider?
Software. Polygrade’s AI agents perform claims work inside the warranty company’s existing systems and rules, and escalate anything outside those rules to the warranty company’s team. The warranty company keeps claim decisions, compliance, and the customer relationship.
How does Polygrade make money?
Polygrade prices four ways: per claim, platform licensing, module-based pricing for the modules you switch on, and transaction fees on optional accelerated contractor payments. Pricing scales with the work Polygrade actually performs, so warranty claims management costs track claim volume rather than seat count.
Does Polygrade replace internal claims teams?
No. Polygrade automates routine claim handling so internal teams move toward exception handling and higher-value customer work.
What makes Polygrade different from legacy warranty software?
Polygrade is measured on claim outcomes rather than software features. It integrates module by module into existing systems, and it is accountable for severity, cycle time, cost to serve, and customer satisfaction.
Does Polygrade serve markets outside home warranty?
Yes. Home warranty is Polygrade’s first market. The platform is designed for broader equipment-related claims, including extended warranty, OEM warranty, and homeowner equipment breakdown insurance.
