Xactimate estimating writes a full repair/restoration scope as a line-item Xactimate estimate, using the same price list and coding structure adjusters use to review claims.
Adjuster-Ready Format
Every line item uses standard Xactimate codes and current price list data, so the estimate can be submitted or compared directly without reformatting.
Make the Xactimate file understandable to its reviewer
A Xactimate estimate organizes repair quantities and pricing in a format used by restoration and insurance workflows. A useful file explains why each line item is included, which measurements support it and what pricing-list location and date were used. Software formatting alone does not establish coverage or prove that every proposed repair is necessary.
- Identify the loss location, inspection evidence and measured rooms or elevations.
- Use line-item notes to explain repair methods and supporting documentation.
- Separate removal, replacement, protection and detach-and-reset scope.
- State taxes, depreciation and other claim-specific assumptions for review.
Keep scope documentation separate from claim decisions
A carrier estimate, contractor proposal and independent scope may differ because of measurements, repair methods or policy interpretation. Reconcile the measurable and documented differences without presenting the estimate as a coverage determination. The property owner, insurer and appropriately authorized professionals handle claim decisions. Confirm the required file and report formats before work begins, including whether an editable estimate file is part of the agreed deliverable.
Xactimate Estimating FAQs
- Which Xactimate price list/region do you use?
- We use the current Texas regional price list matching the loss location.
- Can you deliver the estimate as an ESX file?
- Yes, estimates can be delivered as an ESX file for direct import, alongside a PDF summary.
- How much does an Xactimate estimate cost in Texas?
- The fee depends on the number of rooms or exterior components, loss complexity, photographs and measurements, existing carrier estimate and whether an ESX file or supplement comparison is required. Pricing is quoted after the documentation is reviewed. The proposal identifies the loss location, requested file format, included revisions and delivery date; it does not depend on a promised claim outcome.
- What documents are needed to prepare an Xactimate estimate?
- Send the inspection report, photographs, roof or room measurements, cause-of-loss information, affected material details, carrier scope and relevant contractor notes. For Texas coastal repairs, include any documented inspection or compliance requirement. Line items connect to the available evidence, while concealed damage and coverage questions remain identified for field confirmation or carrier review. Source: Texas Department of Insurance windstorm guidance
- How is xactimate estimating checked for a Texas project?
- The estimator checks the document issue, measurement trail, scope interfaces and requested output before delivery. For coastal work, the estimate must separate measured repair scope from any windstorm-inspection or product-compliance requirement that applies at the property. The project location, roof assembly, damaged decking, attachment details and documented code scope should be confirmed instead of adding a generic coastal percentage. The completed file keeps quantities, pricing assumptions, exclusions and open questions visible so the contractor or owner can review the basis before using the number. Source: Texas Department of Insurance windstorm guidance