Xactimate — Insurance Claims Definition
Industry
Industry-standard estimating software using localized unit pricing for property repair and reconstruction scopes.
Xactimate line items describe removal, replacement, materials, and labor for structures and contents. Carriers, contractors, and public adjusters negotiate in Xactimate language. Sketches and photos integrate into claims files.
Examples
A hail estimate lists RFG (roofing) line items with waste factors and material tax per county profile.
Common Mistakes
Assuming Xactimate is a bid — it is an estimate subject to market variance. Regional price differences cause disputes.
