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What is Xactimate?

Elijah Buzzard

5 min read

Jun 25



In the ever-evolving world of insurance, accurate and reliable estimates are crucial for both insurers and policyholders. Estimating software has become an indispensable tool for insurance companies to ensure precision in their claims assessments. One such tool that stands out in the industry is Xactimate. In this blog post, we will explore what

Xactimate is, why it is widely used by insurance companies, and how our company leverages it to align with industry standards and deliver exceptional service to our clients.

What is Xactimate Estimating Software?

Xactimate is a leading estimating software designed for the property insurance industry. Developed by Xactware, a Verisk Analytics company, Xactimate has been at the forefront of the industry for decades. The software provides a comprehensive platform for creating precise estimates for property damage, repair, and reconstruction costs. With its robust features and user-friendly interface, Xactimate has become the go-to tool for insurance professionals worldwide.

Key Features of Xactimate:

  • Detailed pricing database

  • 3D Sketch tool for creating floor plans

  • Real-time updates and cloud storage

  • Integration with other Xactware products

  • Advanced reporting and documentation capabilities

Why Xactimate is the Industry Standard

Xactimate’s widespread adoption by insurance companies is a testament to its effectiveness and reliability. Here are some reasons why it has become the industry standard:

Consistency and Accuracy: Insurance companies require consistent and accurate estimates to process claims efficiently. Xactimate's extensive database of localized pricing ensures that estimates reflect current market conditions, leading to fair and accurate claim settlements.

Efficiency: Xactimate streamlines the estimating process, allowing adjusters to create detailed and comprehensive reports quickly. This efficiency not only speeds up the claims process but also reduces the potential for errors.

Comprehensive Integration: Xactimate integrates seamlessly with other Xactware products and insurance company systems. This integration facilitates data sharing and collaboration, enhancing the overall workflow and improving communication between insurers and contractors.

How Xactimate Works

Xactimate operates through a straightforward yet powerful workflow designed to simplify the estimation process. Here is a basic overview of how it works:

Data Input and Processing: Adjusters input data about the property damage, including measurements, photos, and descriptions. Xactimate’s advanced algorithms process this information to generate an accurate estimate.

Creating Estimates: Using its extensive pricing database, Xactimate calculates the costs associated with repairs and reconstruction. Adjusters can customize these estimates based on specific circumstances or additional information provided by the policyholder.

Generating Reports: Once the estimate is complete, Xactimate generates detailed reports that can be shared with policyholders, contractors, and other stakeholders.

These reports include breakdowns of costs, timelines, and other critical information needed for the claims process.

Advantages of Using Xactimate

Using Xactimate offers numerous benefits that enhance the efficiency and accuracy of the claims process:

Accuracy and Reliability: Xactimate’s precise calculations and extensive pricing database ensure that estimates are accurate and reliable, reflecting the true cost of repairs.

Efficiency in Claim Processing: The software streamlines the entire estimating process, reducing the time required to generate reports and enabling faster claim resolutions.

Comprehensive Database: With an extensive and regularly updated database of pricing for materials and labor, Xactimate provides the most current market prices, ensuring fair and consistent estimates.

Xactimate’s Role in Insurance Claims

Xactimate plays a pivotal role in the insurance claims process, offering several advantages for both insurers and policyholders:

Estimation Process: Insurance adjusters use Xactimate to assess the extent of property damage and estimate repair costs accurately. This ensures that policyholders receive fair compensation for their claims.

Standardization: By using a standardized platform like Xactimate, insurance companies can maintain consistency in their estimates, reducing discrepancies and disputes.

Case Studies and Examples: Numerous case studies highlight the effectiveness of Xactimate in delivering accurate estimates and expediting the claims process. These examples underscore its value in real-world scenarios.

Our Use of Xactimate

Our commitment to accuracy and transparency in estimating property damage is bolstered by our use of Xactimate. Here’s how we integrate this powerful tool into our operations:

Alignment with Industry Standards: By using Xactimate, we align ourselves with the standards set by insurance companies, ensuring that our estimates are consistent with those used by insurers.

Benefits for Our Clients: Our clients benefit from the accuracy and reliability of Xactimate, receiving fair and precise estimates for their claims. This enhances trust and satisfaction.

Streamlined Processes: Xactimate’s efficiency allows us to streamline our processes, reducing the time required to generate estimates and process claims.

Ensuring Accuracy and Transparency

Our use of Xactimate is part of a broader commitment to ensuring accuracy and transparency in our estimating process:

Precision: We use Xactimate’s advanced tools and database to ensure that our estimates are as accurate as possible, reflecting the true cost of repairs.

Transparency: We believe in transparency with our clients. Our estimates, generated through Xactimate, provide a clear and detailed breakdown of costs, ensuring that clients understand every aspect of their claim.

Trust Building: By consistently delivering accurate and transparent estimates, we build trust with our clients, reinforcing our reputation for reliability and integrity.

Training and Expertise

Our team’s expertise with Xactimate is a cornerstone of our service excellence:

Continuous Training: We invest in continuous training and updates for our team to ensure they are proficient with the latest features and best practices of Xactimate.

Certifications: Our adjusters hold relevant certifications, underscoring their expertise and commitment to using Xactimate effectively.

Knowledge and Experience: With years of experience and in-depth knowledge of Xactimate, our team is equipped to handle even the most complex estimates accurately and efficiently.

Client Success Stories

Real-life examples and testimonials from our clients highlight the impact of our accurate estimates and exceptional service:

Successful Claims: We have helped numerous clients successfully navigate their insurance claims, providing accurate estimates that reflect the true cost of repairs.

Testimonials: Client testimonials attest to the reliability and precision of our estimates, as well as the professionalism and expertise of our team.

Client Satisfaction: Our commitment to accuracy and transparency has resulted in high levels of client satisfaction, reinforcing our reputation as a trusted partner in the claims process.

Future of Estimating in Insurance

The landscape of insurance estimating continues to evolve, with new trends and technologies shaping the future:

Emerging Trends: Advancements in technology, such as AI and machine learning, are poised to enhance the capabilities of estimating software like Xactimate.

Potential Improvements: Continuous updates and improvements in Xactimate will further refine its accuracy and efficiency, benefiting both insurers and policyholders.

Staying Ahead: We are committed to staying ahead of these trends, ensuring that we leverage the latest advancements to deliver the best possible service to our clients.

How to Get Started with Us

Contact Information: Interested in our services? Here’s how you can get in touch with us to start your claims process.

Consultation Process: We offer a straightforward consultation process to assess your needs and provide accurate estimates.

Next Steps: Learn more about the next steps and how we can help you with your insurance claims.

Xactimate estimating software is an invaluable tool in the insurance industry, offering unparalleled accuracy and efficiency. By leveraging Xactimate, we align with industry standards, ensuring that our clients receive fair and precise estimates. Our commitment to transparency, continuous training, and client satisfaction sets us apart as a trusted partner in the claims process. Contact us today to learn more about how we can assist you with your insurance claims.


Q1: What is Xactimate? A1: Xactimate is a leading estimating software used by insurance companies to create precise estimates for property damage, repair, and reconstruction costs.

Q2: Why do insurance companies use Xactimate? A2: Insurance companies use Xactimate for its accuracy, reliability, and efficiency in generating detailed estimates, which streamline the claims process.

Q3: How does Xactimate ensure accurate estimates? A3: Xactimate uses a comprehensive and regularly updated database of localized pricing for materials and labor, ensuring that estimates reflect current market conditions.

Q4: How do we use Xactimate in our business? A4: We use Xactimate to align our estimates with industry standards, ensuring accuracy and transparency for our clients.

Q5: What are the benefits of using Xactimate for clients? A5: Clients benefit from fair and precise estimates, faster claim processing, and detailed breakdowns of costs, which enhance trust and satisfaction.

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