XactAnalysis
XactAnalysis is Verisk's cloud-based claims management platform where insurance carriers receive, review, approve, or dispute estimates and supplements submitted through Xactimate via XactNet. XactAnalysis is the review end of the Xactimate ecosystem.
The Carrier's Review Platform
XactAnalysis is Verisk's cloud-based claims management platform where insurance carriers receive, review, approve, or dispute every estimate and supplement - and it is the platform where supplements are won or lost. When you submit a supplement from Xactimate, it travels through XactNet and lands in XactAnalysis. That is where the carrier's desk reviewer opens your file, evaluates every line item, and decides whether to approve, partially approve, or push back. If you work in insurance restoration, your supplements live and die in XactAnalysis.
How XactAnalysis Fits the Ecosystem
Xactimate, XactNet, and XactAnalysis form a connected pipeline - authoring, delivery, and review.
| Platform | Function | Who Uses It |
|---|---|---|
| Xactimate | Write estimates and supplements | Contractors, PAs, adjusters |
| XactNet | Deliver estimates between parties | Automated transmission layer |
| XactAnalysis | Review, approve, or dispute estimates | Carrier desk reviewers, managers |
Understanding this flow matters because when a carrier says "we received your supplement," they mean it appeared in XactAnalysis. When they say "we need additional documentation," they want it uploaded to XactAnalysis. When the status changes to "reviewed," the carrier's desk adjuster processed it in XactAnalysis. Every communication about the estimate status references this platform.
What Happens Inside XactAnalysis
The carrier's review process in XactAnalysis is where supplements get approved or rejected. The desk reviewer opens your ESX file, compares it against the original scope of loss, and evaluates each additional line item. They check measurements against the Sketch, verify material specifications, and review attached documentation - photos, code citations, and supporting notes.
If your supplement is clean - properly formatted ESX file, correct line items, supporting photos organized by claim item - it moves through review faster. If the file has formatting issues, missing documentation, or line items that do not match the Xactimate pricing database, the reviewer sends it back or escalates to re-inspection.
Why ESX Formatting Matters for XactAnalysis
XactAnalysis is built to process ESX files - the native Xactimate format. When you submit a properly formatted ESX file, it integrates directly into the carrier's review queue. The desk reviewer can open it directly in their Xactimate instance, compare it side by side with the original scope, and process it efficiently.
When you submit a PDF instead of an ESX file, or an ESX file with formatting errors, the carrier has to manually reconstruct the data. That adds time, introduces errors, and gives the carrier a reason to delay. Always submit in the format XactAnalysis expects: clean ESX files through XactNet.
Further reading
Frequently asked questions
XactAnalysis is where your supplement lives after you submit it. If a carrier says 'we received your supplement,' they mean it showed up in XactAnalysis. If they say 'we need more documentation,' they want it uploaded to the same platform.
When you submit an estimate or supplement from Xactimate, it travels through XactNet to XactAnalysis, which is the carrier's review platform. XactAnalysis is the receiving end; Xactimate is the authoring end.
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