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
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 next.
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.
Build referral relationships with a licensed Florida public adjuster.
Free claim review
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 next.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
For professionals
Other resources for professionals
Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Free claim review
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 next.
Florida claim updates
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
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