XactimateVerisk
ired telephone system vendors from time to time. Some customers require specific estimating software and we may require that you purchase such software, as we deem necessary (e.g. Xactimate). We reser
From the filings
HQ + multi-unit
Frontier Adjusters
Professional servicesFrontier Adjusters requires every franchisee to run its proprietary claims management system, FACTS, and otherwise sets hardware standards: each of its 527 franchised locations must have a personal computer and smartphone meeting general hardware standards, with other purchasing decisions landing closer to the individual adjuster than to one HQ desk. The 2024 FDD covers a fully franchised, 100%-independent-operator network under parent Davies Group.
For software vendors selling into US franchise brands.
Live signals
Total units
527
527 franchised
Unit growth YoY
-10.221%
vs prior filing
AUV
$56K
Item 19, 2023
Royalty
15%
of gross sales
Ad fund
1%
national + local
Initial fee
$15K
per unit
Investment range
$22K–$30K
all-in, Item 7
Procurement
Standards based
from the filing
Non-compete
2 years
from the filing
Item 19
Claims
from the filing
Ongoing fee load
What the operator pays every month
The recurring percentage of gross sales named in this filing, before rent, labour or any technology fee.
16%of gross sales (FY2024)
15% reference
Mandated & recommended tech
The systems vendors compete with
Systems named in Item 11 of this filing. None is recorded as mandated here, which is not the same as the filing mandating nothing. Read Item 11 before treating the category as open.
Franchisor behaviours
What the franchisor requires
12 requirements the franchisor states in this filing, each in its own words; 9 explicit no's; 13 questions the text does not settle, which is not a no.
Accounting
Does the franchisor have direct or independent electronic access to the franchisee's financial, sales or customer records?
YesItem 11
We will have independent access to all data and information in the FACTS system, and there are no contractual limits to our access.
How the franchisor buys
Does the franchisor reserve the right to change designated suppliers or systems at any time?
YesItem 8
We reserve the right to change required telephone system vendors from time to time.
How much revenue did the franchisor and its affiliates earn from franchisee purchases in the last fiscal year?
0Item 8
We and our affiliates do not currently derive any revenue from any of your purchases or leases of goods or services.
Item 8 gives this proportion in one of two shapes: separate percentages for establishing the business and for operating it, or one figure covering "establishing and operating" together. Where they are separate, answer with the operating percentage; where the passage gives only the combined figure, answer with that. What percentage of the franchisee's purchases must come from designated or approved suppliers?
10Item 8
The estimated proportion of any required purchases to all purchases and leases by you of goods and services in establishing and operating the licensed business is 10%.
Can a franchisee propose a new supplier for the franchisor's approval?
YesItem 8
If we do decide to consider requests to use an alternative supplier for any particular good or service, requests for the approval must be submitted to us in writing, together with a sample of the item for which approval is sought.
Communications
Does the franchisor own or control the business telephone numbers, or take them over when the agreement ends?
YesFranchise agreement
Franchisor shall also succeed to any website, email address or other electronically controlled media containing any reference to “Frontier” or “Frontier Adjusters.”
Franchise management
Does the franchisor conduct periodic inspections, audits or evaluations of the franchised business?
YesFranchise agreement
Franchisor or its designated agent shall have the right and be provided by Franchisee the opportunity at all reasonable times to examine and audit the books, records, reports, files and other materials of Franchisee appurtenant to or incidental to the conduct of the Franchise.
Can the franchisor change the operations manual and brand standards unilaterally?
YesFranchise agreement
Franchisor has the right to add to, delete from, modify, or otherwise change the Manual at any time, including without limitation, by adding new or enhanced products or services, new operational requirements, and new techniques and methods of operation, but no such modifications shall vary or alter any of the…
Marketing
Is the franchisee prohibited from operating its own website or social media accounts, or required to use pages the franchisor provides?
YesFranchise agreement
Any website used by Franchisee must be approved by Franchisor prior to usage and shall be conducted in the name of Frontier Adjusters of [Any Office, Any State]
Operations
Must equipment be purchased from designated or approved suppliers?
YesFranchise agreement
Franchisor may designate certain goods and services that Franchisee may or must purchase and use in the Franchisee’s business hereunder, and Franchisor may require such goods or services be purchased from (i) Franchisor or its affiliates; (ii) suppliers designated or approved by Franchisor; or (iii) suppliers…
Point of sale
Does the franchisor have independent access to the data in the franchisee's POS or computer system?
YesItem 11
We will have independent access to all data and information in the FACTS system, and there are no contractual limits to our access.
Training
Can the franchisor charge the franchisee for additional, refresher or remedial training?
YesItem 11
From time to time, we may offer training programs or materials as a convenience to our franchisees.
The filing answers no to 9 questions
- Is the franchisor or an affiliate itself a supplier of required products, services or systems?Item 8
- Is there a franchisee advisory council, association or committee?Franchise agreement
- Does the franchisor or an affiliate receive rebates, commissions or other revenue from designated or approved suppliers?Item 8
- Does the franchisor charge a fee to evaluate a proposed supplier?Item 8
- Must the franchisor approve the franchisee's site or location before opening?Item 11
- Is a minimum grand opening advertising spend required?Item 7
- Is the franchisee required to spend a minimum amount on local advertising or marketing, as a percentage of sales or a fixed amount?Item 16
- Must the franchisee participate in a regional advertising cooperative when one exists?Item 11
- Must the franchisee buy products from a designated distributor?Item 8
The vendor opportunity at Frontier Adjusters
527 locations run under the 2024 FDD, entirely franchised — no company-owned units — inside the professional services segment, under parent Davies Group. The base is thinning, not growing: franchised outlets fell 10.2% year over year. Item 19 sets a $55,516 figure for advertised locations that operated the full fiscal year from July 2022 through June 2023.
Who controls software purchasing
Outside its proprietary FACTS claims system, which every franchisee must use, Frontier Adjusters runs on a specifications model: Item 11 requires each franchisee to have and maintain a personal computer with Chrome-capable internet access and a cellular smartphone with email and internet, plus training on that hardware and software. Purchasing decisions sit closer to the 96 franchisees that own and operate the 527 advertised locations than to a single HQ buying desk — though the specifications themselves come from the Operating Manual. The FDD names Dan Saulter as President and CEO and Tony Scott as Vice President of Operations.
Tech named in the FDD, and what is actually required
Franchisees are required to use FACTS, Frontier's proprietary claims management system, to receive claim assignments, store claim files, and bill. Item 8 notes the franchisor may require estimating software such as Xactimate. Beyond the PC and smartphone requirement above, franchisees must obtain, maintain, and use whatever hardware, software, and services the Operating Manual and Exhibit C to the Franchise Agreement require from time to time.
Procurement, renewals, and timing
Outside required insurance and the FACTS system, Frontier currently has no mandatory supplier — franchisees can use any supplier that meets the Operating Manual's standards, though the franchisor reserves the right to name mandatory suppliers later. The royalty is 15% on a 5-year initial term. Item 17 allows one additional 5-year renewal, conditioned on 90 days' notice, full compliance, and the franchisor confirming the operator still has the necessary physical and technical capabilities to run the business — a natural checkpoint for a technology refresh pitch.
How to read the Frontier Adjusters FDD
The viewer below holds the complete 2024 Frontier Adjusters FDD. Item 11 sets the hardware baseline, Item 8 the supplier rules, and Item 20 the 527-location count and its state-by-state spread. Talk to FranCloud for a ranked list of franchise systems like this one, sized and scored for software fit.
Questions vendors ask
Frontier Adjusters, answered from the filing
Purchasing sits closer to the 96 franchisees that own the 527 advertised locations than a single HQ desk, though FACTS is required and the hardware specifications come from the Operating Manual. The FDD names Dan Saulter as President and CEO and Tony Scott as Vice President of Operations.
Item 11 requires each franchisee to have and maintain a personal computer with Chrome-capable internet access and a cellular smartphone with email and internet, plus training on that hardware and software. Franchisees must also use the proprietary FACTS claims management system, and Item 8 notes the franchisor may require estimating software such as Xactimate.
527 locations, all franchised, spread across all 50 states with the top concentrations in Colorado (18), Florida (17), and California (16); franchised outlets fell 10.2% year over year.
Specifications-only: any supplier meeting Frontier's standards qualifies, with no current mandatory supplier beyond required insurance and the FACTS system, though the franchisor reserves the right to designate one later.
The initial term is 5 years, with one additional 5-year renewal under Item 17, conditioned on demonstrating the necessary physical and technical capabilities to operate — a built-in checkpoint for a tech-refresh conversation.
The embedded PDF viewer below holds Frontier Adjusters's 2024 Franchise Disclosure Document in full. Read Item 11 for the hardware baseline, then Item 20 for the state-by-state location count.
Source
Read the filing itself
Every number on this page traces back to this document. Read it in full, page by page. Buy the original PDF to download, search, and annotate it.
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FDD alert
Tell me when this brand refiles.
We’ll email you the moment Frontier Adjusters files a new annual FDD, usually the freshest signal of a vendor change.
Operator footprint
Who runs the locations
235 operators run 235 mapped locations. 0 of them are multi-unit. Aggregate counts from the filing; no names.
Operators by units owned
Single-unit235
Top states by locations
| CO | 18 |
|---|---|
| FL | 17 |
| CA | 16 |
| PA | 12 |
| TX | 11 |
Ownership
The portfolio behind Frontier Adjusters
unknown of davies group.
Related Professional services brands
Primary franchise filings · updated September 2026. Every figure is source-traceable and QA-checked.