Xactimate
Xactimate is the estimating software developed by Verisk that is used to process claims at the vast majority of top US property insurance carriers. Xactimate is the industry standard for writing estimates, submitting supplements, and negotiating claim values in insurance restoration.
The Software That Runs Insurance Restoration
Xactimate is the estimating software developed by Verisk that is used to process claims at the vast majority of top US property insurance carriers, and it is the required platform for writing estimates, submitting supplements, and negotiating claim values in insurance restoration. Every adjuster, every public adjuster, every supplement company, and every serious contractor uses Xactimate to write estimates, submit supplements, and negotiate claim values. If you cannot produce an Xactimate estimate, you cannot participate in insurance restoration. It is that simple.
What Xactimate Does
Xactimate is more than a pricing calculator - it is the entire estimating ecosystem.
| Component | Function | Why It Matters |
|---|---|---|
| Line items | Standardized pricing for every material and labor task | Carriers and contractors speak the same language |
| Sketch | Built-in diagramming for measurements | Drives all quantity calculations |
| Trade groups | Classifies work by trade | Determines O&P eligibility |
| Pricing database | Regional material and labor costs, updated regularly | Establishes the "fair" price for every item |
| XactNet delivery | Transmits estimates to carriers | Direct submission to XactAnalysis |
| ESX file format | Portable estimate file | Industry-standard file format for sharing estimates |
The Cost of Xactimate
Subscription costs run $149-$330 per month depending on the plan tier. For contractors and public adjusters who process volume, the subscription pays for itself on the first supplement of the month. For occasional users, the cost can feel steep - which is why many smaller contractors outsource their Xactimate work to supplement companies rather than maintaining their own license.
Why Xactimate Skills Separate Professionals from Amateurs
Knowing Xactimate at a surface level is not enough. The difference between a $15,000 initial scope and a $23,000 supplemented scope often comes down to Xactimate proficiency. Professionals who understand line item selection, proper Sketch techniques, correct waste factor settings, and trade group assignment recover more money on every claim.
The carrier's adjuster writes the initial scope of loss in Xactimate. Your supplement needs to be written in Xactimate. The re-inspection discussion happens in Xactimate. The appraisal comparison happens in Xactimate. Every stage of the claim that involves money is an Xactimate conversation. Master the tool or outsource to someone who has.
Further reading
Frequently asked questions
Xactimate subscription costs run $149-$330/month depending on the plan. It is the industry standard across carriers, contractors, and adjusters.
Xactimate is used by insurance carriers, contractors, public adjusters, supplement companies, and appraisers to write estimates, submit supplements, and negotiate claim values. If you work in insurance restoration, Xactimate is not optional.
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