Tag: Xactimate estimates

Xactimate is the standard insurance estimating tool—Upper Restoration uses it to produce accurate, adjuster-ready scopes that support faster claim settlements.

Xactimate is the property claims estimating software used by the majority of insurance carriers, adjusters, and restoration contractors in the United States. It provides a standardized database of construction and restoration line items with current regional pricing, enabling consistent scope development and pricing that insurance adjusters recognize and can process efficiently.

For property owners, Xactimate estimating by the restoration contractor has a practical implication: it produces estimates in the same format and at the same pricing basis that adjusters use internally, which significantly reduces the friction in claim settlement negotiations. When a contractor submits a hand-written estimate or a proprietary pricing system, the adjuster must translate those numbers into Xactimate before they can be compared to internal pricing. That translation step creates delay and disagreement.

Upper Restoration’s project managers are trained Xactimate users who develop estimates using current Xactimate pricing and line item conventions. Our estimates cover all scope categories: emergency services, demolition, structural repair, mechanical systems, finishes, contents, and temporary housing or business interruption where applicable. Each line item is supported by the documentation in our project file—photographs, measurements, and written scope justification.

When supplemental scope is required—additional damage discovered during demolition, code upgrades triggered by reconstruction, or items initially excluded from the adjuster’s scope—Upper Restoration submits Xactimate-formatted supplements with supporting documentation that adjusters can evaluate and approve without additional site visits in most cases.