For Contractors
Xactimate Basics for Florida Contractors
Insurance claim scopes are built in Xactimate. Understanding it aligns your estimates with carrier estimates and reduces dispute friction.
Insurance claim scopes are built in Xactimate. Understanding it aligns your estimates with carrier estimates and reduces dispute friction.
Context
Overview
Xactimate is the industry-standard estimating software used by carriers. It standardizes line items, codes, and prices. Contractors who understand Xactimate structure can generate estimates that map directly to carrier scopes.
How it works
Workflow
- 01
Step 1
Learn Xactimate line item taxonomy
- 02
Step 2
Understand regional price list updates
- 03
Step 3
Match your estimate line items to standard codes
- 04
Step 4
Document any non-standard items with justification
- 05
Step 5
Provide Xactimate-format sketch and estimate when possible
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Avoid these
Common mistakes
- XUsing custom estimate formats that do not map to Xactimate
- XMissing line items the carrier would include
- XNot updating to current regional pricing
No obligation. No fee unless recovery.
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Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
Carriers
Every Florida insurance carrier profiled.
Locations
All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
For professionals
Other resources for professionals
When Property Managers Should Bring in a Public Adjuster
Another guide for contractors, realtors, and property managers.
Supplemental Claims Process in Florida
Another guide for contractors, realtors, and property managers.
Navigating Home Sales with Open Insurance Claims
Another guide for contractors, realtors, and property managers.
Condo Association vs Unit Owner Claim Splits
Another guide for contractors, realtors, and property managers.
CLUE Reports and Florida Home Sales
Another guide for contractors, realtors, and property managers.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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