Glossary · estimating
Xactimate
Industry-standard insurance estimating software.
Xactimate is used by most carriers and many contractors. Line items have standardized codes and regional prices. Estimates aligned with Xactimate format reduce negotiation friction.
In practice
Where you encounter "Xactimate" in Florida claims
Policyholders see "Xactimate" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 and FS 627.70131.
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Know these too
Related terms
Estimate
Projected cost of repair.
Line Item
A single entry in a scope of loss, with quantity and price.
Price List
Regional labor and material cost reference used in estimates.
O&P
Contractor overhead and profit, typically 20% added to estimates.
Sales Tax
Tax on material costs, added to estimates.
Depreciation Schedule
The formula used to calculate depreciation on contents and materials.
Know the law
Related statutes
FS 626.854 Public Adjusters
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 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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- ✓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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Where else this term matters
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Glossary
Related insurance terms
Company Adjuster
Related glossary entry: Company Adjuster.
Thermal Imaging
Related glossary entry: Thermal Imaging.
Exclusion Endorsement
Related glossary entry: Exclusion Endorsement.
Progressive Loss
Related glossary entry: Progressive Loss.
Reserve
Related glossary entry: Reserve.
Citizens Depopulation
Related glossary entry: Citizens Depopulation.
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- ✓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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