The roofer's insurance lapsed in March. The fall happened in May. Guess whose policy is in the claim.

What runs out, and on what clock

Vendor certificates of insurance

Every contractor on every property — roofing, landscaping, cleaning, HVAC, snow. Each policy has an expiration, and a cancelled policy does not notify you.

Building inspections

Elevator inspections and certificates on an annual cycle in most jurisdictions. Fire alarm and sprinkler inspections on the fire code's schedule. Backflow prevention tests, typically yearly. Boiler inspections.

Licenses and registrations

Broker and property-management licenses with continuing-education requirements, business licenses, and the rental registrations and inspections many cities now require per unit.

Pre-1978 buildings

Lead-based paint disclosures, and EPA RRP certification for any contractor disturbing paint — a federal requirement, with the owner exposed when the contractor is not certified.

What Lapseline does about it

Drop in the PDF or a phone photo; Lapseline reads the dates

Expiry date, issue date, issuer, holder and the certificate number are extracted from the document. Scans are OCR'd on our own servers and sensitive numbers are redacted before any AI model sees the text.

You confirm, then it reminds you — at 90, 60, 30 and 7 days, and once more if it lapses

Every extracted date carries a confidence score and is tracked only after you confirm it. Renew a document and the whole reminder cycle re-arms for the new date.

Every contractor you use upload their own documents through a private link

No account, no software to learn on their side: they open the link, upload a PDF or photo, and you see a live rollup of who is compliant, who is expiring, and who has not sent anything.

Every Federal Register document is checked against your profile

About a hundred documents a day. Describe your business once — industry, keywords, the agencies and CFR parts that regulate you — and the rules, proposed rules and notices that match it appear on your Regulations page with a one-line reason.

An assistant, not a guarantee: every date is shown with a confidence score and tracked only after you confirm it, and renewals are still verified with the issuer.

Questions people in this trade ask

Can I organise documents by property?

Documents are tracked per vendor and per item, with notes; a portfolio is a list of vendors and their required documents. Per-property grouping as a first-class feature is not there yet — say so when you sign up and it moves up the list.

Will it chase my vendors for me?

It sends each vendor a document request with their private upload link, and shows you who has not responded. The reminders to you are automatic; nudging a vendor a second time is a button.

Do I have to type the dates in by hand?

Only if you want to. Upload the certificate as a PDF or a photo and the dates, issuer and number are extracted for you to confirm. You can also add a deadline by hand — a bid due date, a renewal you have not received the paper for yet — and it joins the same reminder schedule.

Are the renewal cycles on this page exact for my state?

No. Cycles differ by state, county and issuer, and they change. The values here are the common federal or typical ones, quoted to show how many separate clocks a business runs on. Lapseline tracks whatever date is on the document you upload; confirm the rule itself with the issuer.

Does Lapseline guarantee I will never lapse?

No, and be wary of anyone who says otherwise. Lapseline is an assistant: it reads your documents, shows you every date with a confidence score, tracks what you confirm, and reminds you on a schedule. Renewing is still your job, and you should verify renewals with the issuer.