What Is Xactimate and How Does It Affect Your Claim?

Xactimate builds an estimate by combining line items from its extensive database. Each item, like removing wet drywall or setting up drying equipment, has an associated unit cost and labor time. The software allows adjusters to input measurements and notes from the damage site. This creates a detailed, itemized list that forms the basis for the insurance company's payment for repairs.

The software uses regional pricing data to account for local market conditions. This means the cost for materials and labor in your area is factored into the estimate. The adjuster's role is to document all necessary repairs within the program. The resulting document is often the starting point for discussions between you, your insurer, and the restoration professionals.

Many water damage restoration professionals also use Xactimate. They can review the insurance adjuster's estimate to ensure it accurately reflects the necessary work. If the pros find missing items or underestimated quantities, they can prepare a detailed report within the same software. This helps create a clear, standardized document to support a request for additional coverage from your insurer.

Using the same software facilitates communication. It allows the pros to show the insurer exactly why more time, materials, or steps are needed. For instance, the initial estimate might cover basic water extraction, but not the structural drying and dehumidification required to prevent mold. A detailed Xactimate supplement can justify those crucial additional procedures.

• Reviewing the insurer's initial line-item estimate.
• Comparing the estimate to their own detailed moisture mapping and inspection findings.
• Documenting hidden damage like wet subfloors or framing with photos and notes in the software.
• Preparing a supplemental estimate for necessary work the adjuster may have missed.
• Providing a clear, itemized breakdown for all recommended repairs, such as drywall water damage repair.
• Submitting the finalized documentation to support the claim during the repair process.

Your first step is to document everything. Take extensive photos and videos of all water damage before any cleanup begins. Keep records of damaged personal items. This visual evidence is invaluable when the adjuster writes the estimate or if you need to dispute it later. Provide this documentation to both your insurance adjuster and the restoration professionals you hire.

Ask questions about the estimate. Request a copy of the Xactimate document from your adjuster and review it with your water damage professional. Ensure it lists every affected area and all necessary steps, from emergency water extraction to final repairs. Acting quickly to dry the structure is important to help prevent secondary mold damage.