BridgePoint Open Registry
Open methodology · reproducible analysis · publication gated

National Property Estimate Variance Index

A vendor-neutral research program measuring where property repair estimates differ from independently supported repair scope and cost evidence. The study is designed to separate scope variance from price variance, rather than treating every difference as “underpayment.”

STATUS · DATA COLLECTION
1,000Target de-identified claims
100Minimum eligible records before any first aggregate release
0Vendor-specific conclusions currently published
What is public now

Method first. Headline later.

The registry publishes the analysis schema, aggregation rules, audit code and limitations before it publishes findings. No raw claim files, customer identities, policyholder information, proprietary price lists or restricted vendor content belong in this repository.

View registry files on GitHubCarrier & enterprise context
Required gates

A claim only enters a public aggregate when all gates pass.

1 · Rights
BridgePoint must have permission to analyze the contributed record for the stated research purpose.
2 · De-identification
No policyholder name, street address, claim number, personal contact details or other unnecessary identifiers are published.
3 · Verification
The comparison must be backed by inspectable evidence, not an unsupported user assertion.
4 · Statistical sufficiency
No national or state-level percentage is released from a tiny or misleading cohort.
5 · Methodology review
Definitions, exclusions, weighting, regional treatment and sensitivity checks must be documented before release.
6 · Vendor-specific publication review
A named-platform conclusion is separate from the general benchmark and requires an explicit rights/legal review.
Core measurements

What the audit calculates

variance_amount = independently_supported_total - submitted_estimate_total

variance_percent = variance_amount / submitted_estimate_total

The analysis also separates missing/changed scope from unit-price differences and reports distributions, medians, confidence intervals and sample counts. A positive variance is not automatically evidence of coverage owed, bad faith, wrongful denial or legal liability.

Publication policy

No manufactured traction. No manufactured outrage.

BridgePoint will not publish a fabricated “14.2% shortchange” statistic simply because such a headline would travel. If a material pattern exists in a rights-cleared cohort, the registry will show the sample, method, limitations and code needed to reproduce the aggregate.