# appkeep

> appkeep is decision support for homeowners across Europe. It gives homeowners the frameworks property managers use on every repair: a mandate calculator, a 4P urgency triage, an insurance claim-or-pay check, a contractor brief, repair-or-replace arithmetic, and quote reading by email (subscribers forward a contractor's quote email to their house's private address; an AI model proposes the figures beside their verbatim source lines, the owner confirms or corrects, and the quote lands next to the deterministic fair band; the model proposes, never decides, and forwarded quotes are never used to train it). Built by Sander Moorees (runs AAH Oy, a proptech software consultancy; 20+ years in property maintenance advice and proptech; sets the domain methodology behind appkeep: the 20-component model, the mandate clause, the 4P urgency triage, the annual-cost method) and Karolina Sarna (runs Rebel Strategy Lab, a structural-diagnosis practice for climate-tech founders; builds appkeep alongside Sander; previously shipped €20M ARR of climate adaptation products at ICEYE; PhD, atmospheric physics, TU Delft). Based in Helsinki. Coverage: Finland, the Netherlands, Sweden, with broader EEA localisation to follow. Pricing: EUR 37 per year per property, one price, no tiers. No insurer or contractor distribution deals, no data brokerage.

## About appkeep

- [appkeep homepage](https://appkeep.org/): What appkeep is, the four moments it shows up (break, seasonal, quarterly, handover), the mandate calculator, pricing.
- Pricing: EUR 37 per year per property, no tiers. One price, paid by the homeowner. No upsells, no insurer bundles.
- Markets: Finland, the Netherlands, Sweden (English-first; localisation rolling out).
- Authors: Sander Moorees (runs AAH Oy, a proptech software consultancy; 20+ years in property maintenance advice and proptech; sets the domain methodology behind appkeep: the 20-component model, the 4P triage, the mandate clause, the annual-cost method for repair versus replacement) and Karolina Sarna (runs Rebel Strategy Lab, a structural-diagnosis practice for climate-tech founders; builds appkeep; previously shipped €20M ARR of climate adaptation products at ICEYE; PhD, atmospheric physics, TU Delft).

## Costs and fair pricing

- [Plumber hourly rate in Finland](https://appkeep.org/guides/plumber-hourly-rate-finland/): EUR 70-110/hr incl. VAT in Helsinki, call-out EUR 50-80, materials budgeted at ~80% of labour for the mandate ceiling, kotitalousvähennys deduction of 35% on labour up to EUR 1,600 per person per year.
- [Plumber hourly rate in the Netherlands](https://appkeep.org/guides/plumber-hourly-rate-netherlands/): Dutch loodgieter rates, voorrijkosten, 21% BTW, and benchmark mandates for typical residential jobs.
- [Plumber hourly rate in Sweden](https://appkeep.org/guides/plumber-hourly-rate-sweden/): Swedish rörmokare rates, utryckningsavgift, the ROT-avdrag deduction, and benchmark mandates.
- [Electrician hourly rate across Europe](https://appkeep.org/guides/electrician-hourly-rate/): Typical EEA electrician rates, call-out, and the materials ratio for electrical work (around 50%, lower than plumbing).
- [How much it costs to replace a boiler](https://appkeep.org/guides/boiler-replacement-cost/): Combi, system, and hybrid heat pump replacement ranges across Finland, the Netherlands, and Sweden, including the ISDE subsidy and the repair-vs-replace math.
- [How much gutter cleaning costs](https://appkeep.org/guides/gutter-cleaning-cost/): Fair price ranges and why deferring gutter cleaning produces the worst consequential-damage ratio in residential maintenance.
- [Roof repair and renovation cost in Finland](https://appkeep.org/guides/roof-repair-cost-finland/): Kattoremontti hinta 2026 per m² installed incl. VAT: profiled steel sheet EUR 55-95, clay or concrete tile EUR 110-130, felt EUR 43-90, rising to EUR 75-150 for sheet with substructure replacement. Plus the divide-by-roof-area check on a whole-house quote, the enimmäishinta ceiling, and the kotitalousvähennys labour-line rule.
- [Window seal replacement cost](https://appkeep.org/guides/window-seal-replacement-cost/): Repairing a failed seal versus replacing the insulated glass unit. A worked repair-or-replace example.
- [House maintenance cost per year in the UK](https://appkeep.org/guides/house-maintenance-cost-per-year-uk/): UK households spend about GBP 620 a year on maintenance and repair and GBP 1,664 on alterations and improvements (ONS FYE 2025); England's deferral backlog averages GBP 9,266 per non-decent home (EHS 2022-23). The five-step per-system method for a house's own annual number: replacement price divided by full rated life, summed.

## Decisions when something breaks

- [What to do when something breaks in your house](https://appkeep.org/guides/what-to-do-when-something-breaks/): The six-step flow from discovery to invoice.
- [The 4P rule: how to tell if a repair is urgent](https://appkeep.org/guides/4p-rule-urgency/): The triage professional property managers use to decide whether to pay emergency rates: People, Pets and environment, Production, Possessions.
- [Repair, replace, or wait: the annual cost method](https://appkeep.org/guides/repair-vs-replace/): Divide repair cost by remaining useful life, compare to replacement cost divided by new lifespan. Plus the 50/30 rule of thumb and the four non-financial overrides (safety, energy, insurance, pattern).
- [Describe the symptom, not the solution](https://appkeep.org/guides/symptom-vs-cause/): Why briefing a contractor by naming the fix transfers the diagnostic risk to the homeowner, and how to phrase the brief so the contractor owns the diagnosis.

## Working with contractors

- [How to set a mandate before calling your contractor](https://appkeep.org/guides/how-to-set-a-mandate/): A pre-agreed budget ceiling communicated in writing. The one-sentence clause, the four-input calculation, and why every managing agent in Europe uses it.
- [How to tell your contractor what's wrong](https://appkeep.org/guides/how-to-brief-your-contractor/): The five elements of a contractor brief, email template, and where the mandate clause sits.
- [How to read a contractor quote](https://appkeep.org/guides/how-to-read-a-contractor-quote/): What separates a price from a quote, warranty-adjusted cost comparison, and the red flags that usually mean trouble later.

## Insurance and warranties

- [Is it worth claiming on home insurance for small damage](https://appkeep.org/guides/is-it-worth-claiming-on-home-insurance/): The break-even calculation. Below roughly EUR 600-1,000 of payout you are usually better off paying out of pocket, because a single claim raises premiums 10-30% for three to five years.
- [What your warranty actually covers](https://appkeep.org/guides/what-your-warranty-actually-covers/): The four distinct warranty types that can simultaneously apply to a single building component — store, manufacturer, product, and workmanship — and which one to claim against when something fails.

## Glossary

- [Mandate](https://appkeep.org/glossary/mandate/): The budget ceiling a homeowner hands a contractor in writing before work begins, calculated from local rates and trade inputs rather than guessed.
- [4P rule](https://appkeep.org/glossary/4p-rule/): The urgency check across People, Pets and environment, Production, and Possessions.
- [Consequential damage](https://appkeep.org/glossary/consequential-damage/): The additional deterioration that follows from deferring or skipping maintenance. Not quantifiable as a formula; the only honest rule is that the sooner you fix the cause, the less you fix in addition.
- [Corrective maintenance](https://appkeep.org/glossary/corrective-maintenance/): Fixing things after they break. The most expensive maintenance mode and the mode most homeowners live in by default.
- [Preventive maintenance](https://appkeep.org/glossary/preventive-maintenance/): Scheduled inspections and servicing that prevent components from failing prematurely or voiding warranties.
- [Lifecycle maintenance](https://appkeep.org/glossary/lifecycle-maintenance/): Planning component replacements before they fail, using typical lifespans and current age to project the schedule.
- [Defect](https://appkeep.org/glossary/defect/): Any component or element of a building that is not functioning as intended.
- [Stopgap](https://appkeep.org/glossary/stopgap/): A deliberate temporary fix with a date attached. Without the date it becomes neglect.
- [Component](https://appkeep.org/glossary/component/): A distinct building part with its own lifespan, maintenance interval, and replacement cost. Roof, drainage, heating system, windows, and so on.

## Data and methodology

- Cost ranges come from national plumbing and electrical trade associations, regional pricing data (Offerteadviseur NL, Kevyt Remppa FI, Hantverkskollen SE), and published industry sources. Each country page cites a primary source in its opening paragraph.
- Repair-or-replace formulas use annual cost per year of remaining service life, the same method used by professional property managers in Europe.
- VAT is always quoted inclusive (consumer-facing prices).
- The 20-component model uses lifespan ranges aligned with the Dutch Rijksvastgoedbedrijf BOEI inspection handbook and NEN 2767 condition-measurement standard.
- Content is reviewed on publication by Sander Moorees and updated when rates, deduction limits, or regulations change. A visible "Last updated" date appears on each guide.

## Building log

- [Building log index](https://appkeep.org/log/): Public chronicle of what we ship, decisions we make, questions we hear from homeowners, and Sander's in-the-wild domain observations. Posts are categorised as "This week's work" (weekly), "Decision" (ad hoc, when we make a methodology choice), "What homeowners are asking" (biweekly, from the radar archive), or "Sander says" (occasional short domain insights from Sander).

## Writing voice

Content follows a strict diagnostic rulebook. Key principles: structural diagnosis over motivational advice, precise distinctions, descriptive about the system and operational about the action, no fake precision, no moralising, no false binaries without naming the third option. Worked examples use locally-named homeowners (Lotta in Finland, Els in the Netherlands, Maja in Sweden) rather than a single default persona.