Home Intelligence That Goes Beyond the Algorithm
Built by a Fox Valley agent with 22+ years of pricing experience. Tested on real transactions. Patent pending.
PrediqtHome AI is a proprietary home intelligence platform developed by Dave Richert of Richert Family Real Estate Team at eXp Realty. At its core is the Universal Home Score (UHS v10.1) — a condition-based pricing model that has tested within 3% of actual sale prices, compared to Zillow’s 7–10% variance. Where standard automated valuations rely on sales history and square footage, UHS scores a property across six weighted categories: structural and major systems, interior quality, condition and maintenance, aesthetic and design, technology and efficiency, and curb appeal. Every report is evidence-based, documented, and defensible.
Six Categories That Drive the Score
The Universal Home Score evaluates properties across six weighted categories — the same factors that actually move pricing in the Fox Valley market.
Structural & Major Systems
Roof condition, HVAC age and service history, plumbing type, electrical panel adequacy. Weighted most heavily in the overall score.
Interior Quality
Materials, finishes, layout functionality, and overall livability assessed against current buyer expectations.
Condition & Maintenance
Documented capital improvements, deferred maintenance indicators, and functional vs. cosmetic risk items. A significant factor in the overall score.
Aesthetic & Design
Design appeal, color choices, staging readiness, and how well the home photographs for today’s market.
Technology & Efficiency
Smart home features, insulation quality, window efficiency, and energy performance that today’s buyers value.
Curb Appeal
First impression factors including landscaping, exterior condition, driveway, and approach presentation.
A Pricing Framework That Holds Up Under Scrutiny
Every listing is different. Age, condition, updates, deferred maintenance, disclosure risks — none of that shows up in a standard AVM. The UHS framework turns those variables into a documented, category-weighted score that drives pricing strategy, not just comps. Buyers get a transparent valuation before they make an offer. Sellers get a scenario-based analysis — AS-IS, light prep, and full prep — so they make informed decisions, not reactive ones.
- ✓ Seller valuation reports with UHS scoring, comp adjustments, and multi-scenario pricing
- ✓ Buyer’s value reports delivered before offer, positioning your team as the most prepared at the table
- ✓ Pricing documentation that reduces the likelihood of deal fallthrough — Fox Valley agents see roughly a 16% contract fallout rate; most of it is preventable with better preparation upfront
Condition-Based Valuation That Supports the Underwriting Conversation
Appraisals look backward. UHS looks at the property as it sits today. For lenders working purchase transactions, a UHS report on the subject property provides an independent, agent-generated condition assessment across six categories before the appraisal is ordered. That means you go into underwriting with documentation on mechanical age, system condition, capital improvements, and disclosure-level items already in hand.
- ✓ Identifies potential appraisal red flags before the inspection period — flat roofs, panel amperage, aging HVAC, deferred maintenance — so nothing comes in as a surprise
- ✓ Supports collateral confidence on purchase files, especially in older housing stock (pre-1990 builds common in the Fox Valley market)
- ✓ Condition scoring can complement review appraisals or desk reviews where a second data point on property condition strengthens the file
- ✓ Transferable home maintenance history (via HomeTrack, coming mid-2026) will add longitudinal data to the condition picture
Home Condition Intelligence for Risk Assessment
Standard home insurance underwriting relies on age of systems and replacement cost — neither of which tells you much about the actual condition of a roof, the true age of a furnace, or whether a 100-amp panel is adequate for the home’s load. UHS v10.1 documents those variables at the individual property level, scored and weighted by a licensed agent with direct knowledge of the home.
- ✓ Structural and major systems score (weighted most heavily) captures roof condition, HVAC age and service history, plumbing type, electrical panel adequacy — the primary loss-driver categories for homeowner claims
- ✓ Condition and maintenance score (also heavily weighted) captures documented capital improvements, deferred maintenance indicators, and functional vs. cosmetic risk items
- ✓ UHS data points mirror telematics-style behavioral scoring — a homeowner who maintains their systems scores differently than one who defers everything, and that difference matters at claims time
- ✓ HomeTrack (coming mid-2026) will create continuous maintenance logs tied to individual properties — the kind of ongoing condition monitoring that supports dynamic risk pricing, not just point-in-time policy issuance
The insurance industry analogy: Auto insurers changed underwriting with telematics. PrediqtHome AI is building the equivalent data layer for residential property — condition-based, maintenance-verified, longitudinal.
Tested on Real Transactions
UHS v10.1 has been validated against actual MLS sale prices in the West Aurora, Batavia, Geneva and the surrounding Fox Valley area. In testing, UHS-derived valuations have come within 3% of actual sale prices — a meaningful improvement over the 7–10% variance typical of automated valuation models. Every report on this site is generated from a real property, with documented mechanicals, real comparables, and evidence-based adjustments. No black box. No hidden inputs.
Interested in What PrediqtHome AI Can Do for Your Business?
Whether you’re an agent, lender, or insurance professional, there are meaningful ways to put UHS data to work. Reach out directly — I respond to every inquiry personally.
Get Your Home Valuation Contact Dave Directly630.906.7266 | dave@richertfamily.com | www.RichertFamily.com