Blog

Running a home warranty claims operation

What actually moves cost per claim, severity, cycle time, what the data says, and how the decisions get made. Written by the team building it.

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Strategy

How a partnership grows: five stages from discovery to scale

At Thumbtack, I broke partnership development into five stages: discover, experiment, land, expand and grow. Here's what happens in each one, and what moves a partner from one stage to the next.

David Steckel

Strategy

How to choose which partners to pursue first

Every company your customer works with is a potential partner, and you can't pursue them all at once. Here's the framework I built at Thumbtack to decide which come first.

David Steckel

Strategy

Our partnership strategy: the framework behind Polygrade's partner ecosystem

There's no master playbook for partnership development. Here is the framework we use to build Polygrade's partner ecosystem, and why it means a warranty company starts with the right partners already in place.

David Steckel

Unblock innovation: Polygrade at the Warranty Innovations conference, Chicago 2026

Company

How to get innovation across the line at a warranty company

Everyone in warranty is being told to innovate. At Warranty Innovations, Jesse Wilson and I talked about the harder question: will your organization let you get it across the line?

David Steckel

Outputs (features shipped, tickets closed, roadmap updated) versus outcomes (severity, cost to serve, cycle time)

Product & Engineering

What decades of building taught me about outcomes, architecture and leadership

The deepest lessons from decades of building were never about technology. They came from how organizations work, and from being wrong enough times to learn what does.

Eui Chung

Company

We outgrew our name: ProPay is now Polygrade

We started as a payments fix for warranty contractors. The bigger problem was the claim itself, going sideways long before anyone got paid. Here is why ProPay is now Polygrade.

David Steckel

Headed versus headless integration: a warranty claim form on one side and a POST /v1/claims API call on the other

Product & Engineering

Headed vs. headless integration: why day zero decisions matter most

Headed or headless is a day zero call that quietly sets your future cost of change. How to read the objective before the architecture hardens.

Eui Chung

Claims Operations

Build vs. buy for warranty claims software

Build versus buy is really three options, not two: build it, replace your platform, or overlay intelligence on what you already run. A look at the real five-year cost of each.

David Steckel

Product & Engineering

The cost of building software is collapsing. The cost of bad decisions isn't.

AI is pushing the cost of building software toward zero. Judgment about what deserves to exist is now the scarce resource. Here is how we build at Polygrade.

Kaustubh Vongole

A constellation of stars making the Polygrade logo mark with the words "Multi-Agent AI"

Product & Engineering

AI agent orchestration: why one model can't run a complex workflow

A single model that handles intake, triage, and authorization ends up good at everything and excellent at nothing. Here is when a team of specialized agents wins, and when one model is still enough.

Eui Chung

A flowchart with triage outcomes and the blog post title "Drive outcomes"

Product & Engineering

Pilots are easy. Outcomes are hard.

Why AI implementations stall on the way to production, and what to look for in a partner before you sign.

Eui Chung

Polygrade

Enterprise-grade AI Claims Transformation

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ProPay AI, Inc © 2026

Polygrade

Enterprise-grade AI Claims Transformation

Stay in the loop

Get new claims operations insights in your inbox.

Need to report a security concern or incident? Contact ops@polygrade.com

ProPay AI, Inc © 2026

Polygrade

Enterprise-grade AI Claims Transformation

Stay in the loop

Get new claims operations insights in your inbox.

Need to report a security concern or incident? Contact ops@polygrade.com

ProPay AI, Inc © 2026