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Estimating

Xactimate

Xactimate is the industry-standard property damage repair cost estimating platform developed by Xactware, a subsidiary of Verisk Analytics. Originally founded in 1986 and acquired by ISO (now Verisk) in 2006, it is used by approximately 80% of insurance repair contractors and 19 of the top 25 U.S. property insurers. The platform provides a continuously updated regional pricing database covering materials, labor, and equipment for hundreds of geographies, enabling restoration contractors, roofers, painters, and general contractors to produce insurance-defensible estimates. Xactimate operates across desktop, web, and mobile and includes tools like Sketch AR (LiDAR-powered floor plan capture), XactScope (guided estimating), XactRebuild (mitigation-to-rebuild workflow automation), Time and Materials job cost tracking, and XactAnalysis for claims performance dashboards and workflow management.

major★★★★☆4.0(20)G2★★★★☆4.0(63)CapterraPlumbingElectricalHVACRoofingTradeAtlas verified· Jul 2026

Product Tour

Use Cases

  • Insurance repair cost estimating for property damage claims
  • Roofing damage assessment and insurance scope writing
  • Water damage and restoration mitigation-to-rebuild job costing
  • Field measurement capture and sketch creation on mobile
  • Time and materials tracking for complex or difficult-to-estimate jobs
  • Carrier-adjuster-contractor claims workflow management via XactAnalysis

Pricing

Starting at
$224/mo
Transparency
Pricing published
Xactimate Pro$350/mo

Xactimate Pro

Xactimate Standard$150/mo

Xactimate Standard

Capability Matrix

FeatureStatusDepth
EstimatingYesAdvanced
Proposals & QuotesYesAdvanced
InvoicingYesStandard
Job CostingYesAdvanced
Reporting DashboardYesAdvanced
Photo DocumentationYesStandard
Time TrackingYesStandard
API AccessYesAdvanced
PricebookYesAdvanced
Payment ProcessingPartialBasic
SchedulingNoBasic
DispatchNoBasic
Route OptimizationNoBasic
GPS TrackingNoBasic
CRM / Customer ManagementNoBasic
E-SignatureNoBasic
Financing OptionsNoBasic
Inventory ManagementPartialBasic
Asset ManagementNoBasic
PayrollNoBasic

Strengths

  • De facto industry standard accepted by virtually all U.S. property insurers
  • Continuously updated regional pricing database covering hundreds of geographies
  • Sketch AR with LiDAR for fast, accurate on-site floor plan and measurement capture
  • Cross-platform sync across desktop, web, and mobile
  • XactAnalysis real-time claims performance dashboard and workflow management
  • Time and Materials tool for tracking labor, materials, and equipment costs in real time
  • AI-assisted estimate generation from plain-language job descriptions

Best Fit

Insurance restoration contractors, independent adjusters, and roofing contractors who need to produce insurance-carrier-accepted repair estimates backed by a continuously updated regional pricing database.

Typical clientssmall crews up to large contractors (100–500)
Platform weightHeavyweight — deep feature set, industry-standard footprint
Cost signalFrom $224/mo published
Small teamsMid-sizeLargeBuilt for the trades