Maximize Claim Accuracy & Increase Profitability
In the competitive US insurance restoration industry, precision isn't optional—it’s the difference between a profitable job and thousands of dollars left on the table. Writing comprehensive, line-item accurate estimates requires deep technical field knowledge, strict adherence to regional carrier guidelines, and constant monitoring of monthly price list adjustments.
Partnering with professional restoration estimators through Xactimate Estimating Services allows you to hand off time-consuming documentation, accelerate approval timelines, and focus on what you do best: running jobs and serving property owners.
Insurance Claim Estimates by Loss Type
Every claim estimate is written and checked by an experienced human estimator in Xactimate, using the current price list for the loss location, and delivered as an ESX file with a PDF report.
Fire Damage Insurance Claim Estimate
Line-item Xactimate scopes for fire, smoke and soot losses: tear-out and rebuild, soot cleaning and sealing, odor control, contents, debris removal and code upgrades, with Overhead & Profit support.
Water Damage Insurance Claim Estimate
Mitigation and rebuild scopes written to IICRC S500: water category and class, extraction, drying equipment and run-times, flood cuts, antimicrobial and full put-back of drywall, insulation and flooring.
Storm / Hurricane / Tornado Damage Insurance Claim Estimate
Wind and hail scopes for roofing, siding, windows, gutters, fencing and interiors hit by wind-driven rain, including tarping, board-up, steep and high-roof charges, tear-off layers and debris haul-off.
Flood Damage Insurance Claim Estimate
Rising-water scopes measured from the waterline: mud-out, Category 3 cleanup, flood cuts, building and contents kept separate, with the measurements and photos needed to support the proof of loss.
Technical Scope of Services & Standard Deliverables
We deliver carrier-ready, audit-proof Xactimate estimates built precisely to current local price databases, state regulatory codes, and standard industry guidelines (such as IICRC standards). Every estimate package includes:
- Fully Formatted ESX File: Ready for seamless upload and immediate editing in your native Xactimate software suite.
- PDF Client Copy: Professional layout complete with your company branding, detailed scope summaries, and itemized cost breakdowns.
- Audit & Annotation Report: Clear line-item justifications cross-referenced with carrier guidelines and IRC/IBC building codes to eliminate line-item rejections.
Restoration Specialties Covered
Water & Mold Mitigation
Adheres strictly to IICRC S500 guidelines. Itemizes Cat 1, 2 & 3 water extraction, structural drying equipment run-times, LGR dehumidifiers, negative air controls, and controlled drywall flood cuts.
Fire, Smoke & Soot Restoration
Detailed square-footage calculations for HEPA vacuuming, thermal fogging, soot washing, seal-coating framing/ductwork, structural tear-outs, charcoal framing removal, and specialized debris hauling.
Roof & Exterior Storm Damage
Precise roofing takeoffs detailing shingle, tile, and membrane scopes alongside steep pitch, high-roof, and multi-layer tear-offs. Includes drip edge, ice/water shields, step flashing, and siding replacement.
Line-Item Precision & Code Upgrades
Includes Overhead & Profit (10/10) justifications for multi-trade claims, IRC code updates, Detach & Reset (D&R) scope for fixtures/mechanical covers, and heavy contents manipulation.
3-Step Submittal Process
Submit Loss Info
Email field notes, rough sketches, Matterport scans, or scope sheets along with loss photos.
Drafting & Audit
Scope is constructed using exact monthly Xactimate price lists for your project's specific zip code.
ESX Delivery
Receive completed ESX file and formatted PDF within 24-48 hours ready for carrier submission.
Ready To Get Started?
Send your plans and deadline today, and we'll confirm scope, price, and delivery time.
For general reconstruction, framing, and commercial finish scopes following insurance mitigation, explore our specialized trade takeoff solutions including Drywall & Framing Estimation, Roofing Estimating Services, and Concrete & Masonry Takeoffs.
Xactimate Estimating Questions
Answers to the questions clients ask most before sending us their project.
Are Xactimate Estimates Prepared by AI or Human Estimators?
Our Xactimate estimates are prepared and reviewed by experienced human estimators. We use Xactimate to price line items efficiently, while our estimators review photos, scope notes, measurements, and line items before finalizing the estimate.
What do you need from me to write an Xactimate estimate?
Photos, measurements or a sketch, your scope notes, and the loss type. If you have a carrier estimate already, send that too so we can compare line items and catch what was left out.
Do you deliver the native Xactimate file?
Yes. You'll receive the ESX file you can open and edit in your own Xactimate account, plus a PDF version ready to send to the adjuster or carrier.
Can you help with supplements?
Yes. We review the carrier's estimate against the actual damage and scope, then add the missing or underpaid line items with notes and photo references that support each one.
Which types of losses do you estimate?
Water, fire, smoke, wind, hail, and mold restoration on residential and light commercial properties. That covers mitigation and rebuild, including roofing, drywall, flooring, cabinets, and contents-related scope.
How fast is the turnaround?
Most Xactimate estimates are completed within 24 to 48 hours of receiving complete photos and measurements. Larger losses may take longer, and we'll tell you up front.
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Work in Every State
Codes, labor rates, and material costs change by market, and we work to the requirements where your project is built.
Ready to Outsource Your Xactimate Scopes?
Stop losing billable hours to late-night computer work. Email your scope notes, photos, or loss reports for a fast 24–48 hour turnaround.