Xactimate Estimate Writing
Carriers evaluate claims using Xactimate. When your supplement is written in Xactimate by a licensed Independent Adjuster, it speaks the carrier's language and gets taken seriously.
Why Xactimate Matters for Your Supplements
Xactimate is the software insurance carriers use to price claims. If your supplement is not written in Xactimate, or if it uses incorrect line items, outdated pricing, or improper formatting, carriers have an easy reason to push back or deny the request.
Our adjusters write every supplement in Xactimate using the correct pricing database for your claim's geographic market. Every line item is documented with supporting evidence, manufacturer specifications, and code requirements where applicable.
What We Include
Accurate Line Items
Every scope item is documented with the correct Xactimate line item code, quantity, and unit cost. No guesswork, no padding, no missing items.
Geographic Pricing
We use the Xactimate pricing database for your claim's specific market, ensuring labor rates and material costs match what carriers expect to see.
O&P Documentation
When three or more trades are involved, we document and justify Overhead and Profit (O&P) with the supporting evidence carriers require for approval.
Code Compliance
Building codes vary by state and jurisdiction. Our estimates include code-required upgrades with references to the specific IRC/IBC sections that apply.
Manufacturer Specifications
Where applicable, we include manufacturer installation requirements that justify additional labor, materials, or methods beyond the carrier's initial scope.
Xactimate Questions
Xactimate is the industry-standard estimating software used by insurance carriers, adjusters, and contractors to price property damage repairs. Supplements written in Xactimate use the same pricing database and format that carriers use internally, which gives your supplement immediate credibility and increases the chances of approval.
O&P stands for Overhead and Profit, a 20% combined markup (10% overhead + 10% profit) that contractors are entitled to when a claim involves three or more trades. Many carriers initially deny O&P. Our adjusters document the number of trades involved, justify the claim with Xactimate line items, and present the O&P request in a format carriers consistently approve.
Yes. We use current Xactimate pricing databases specific to your claim's geographic area. This ensures every line item reflects accurate local labor rates and material costs, which eliminates one of the most common reasons carriers push back on estimates.
Need a Professional Xactimate Estimate?
Our licensed Independent Adjusters write estimates that carriers take seriously.