Running both full home inspections and insurance inspections under one service — how does pricing wo

FL_Home_Inspector

I'm a licensed home inspector in Florida offering two very different products under Thumbtack's single "Home Inspection" service:

• Full home inspections — priced by square footage, roughly $350–$500 job cost.
• Insurance inspections (4-point and wind mitigation) — flat-fee, about $125 single or $190 combo, with no relationship to square footage. These are about half my leads.

I found the job-type toggle in my preferences and can switch insurance inspections on or off, which helps — but it's all-or-nothing for the whole service, and I want to run both. Three things I'm hoping to get clarity on:

1. How is the lead price actually set? On a wind mitigation lead I've seen the lead cost scale with square footage - even though the job is the same flat $125 either way. Does the customer's "what is the inspection for?" answer affect what I'm charged per lead, or is the lead price based only on category and square footage regardless of inspection type?

2. How is the estimate the customer sees determined? When someone requests an insurance inspection, they're still shown a full-inspection-sized price (~$350) instead of my $125. Does that come from my price settings, a category average, or square footage — and is there any way to set a separate, lower displayed price for insurance inspections so customers aren't scared off by a number that's nearly 3x my actual rate?

3. Can I run two configurations of the same service? What I really want is two "Home Inspection" services — one with insurance toggled OFF (residential only) and one with insurance toggled ON (insurance only) — each with its own pricing and lead settings. Thumbtack won't let me create a duplicate service. Is there a supported way to give these two job types different pricing within one service, or is the on/off toggle the only lever?

And for anyone doing both types in Florida — how do you handle it? Eating the mismatched lead cost, quoting a range, or turning insurance off entirely?