Xactimate Estimating Services — Insurance Claims, Restoration & Damage Scopes
When an insurance carrier underpays a claim, the difference between what they offered and what the work actually costs usually comes down to the estimate.
ALM provides professional Xactimate estimating services for residential and commercial restoration contractors, public adjusters, and property owners — fire, water, storm, wind, hail, mold — 24 hours, all trades, all 50 states.
Xactimate Estimates Built for Your Role in the Claim
Whether you’re restoring the property, adjusting the loss, or filing the claim — we build Xactimate scopes that serve your specific position.
Restoration Contractors
Your crew is on-site, the carrier scope came in short, and the project can’t wait. We prepare line-item Xactimate estimates that document every trade, every material, and every code-required item — so you can negotiate from a position backed by data, not guesswork. Explore our full construction cost estimating services.
Public Adjusters
You represent the policyholder. You need an estimate that stands up against the carrier’s scope — accurate line items, proper measurements, and documentation that supports negotiation or appraisal. We deliver estimates formatted to the standards adjusters and carriers expect. See our construction takeoff services for detailed quantity surveys.
Property Owners
Your insurance company sent an adjuster, and the estimate doesn’t look right. You don’t have to accept it. We prepare an independent Xactimate estimate that documents the full scope of damage — giving you a professional comparison to bring back to your carrier. Works for both residential and commercial properties.
Why Contractors and Adjusters Use ALM for Xactimate Estimates
Formatted to Industry Standards
Every estimate follows Xactimate formatting conventions that carriers recognize — proper line-item structure, category codes, and pricing databases.
Both RCV and ACV
We provide replacement cost value and actual cash value calculations so you have the numbers for either side of the depreciation discussion.
Supplement Support
When the carrier’s initial scope misses items, we prepare detailed supplement estimates with line-by-line justification for every adjustment.
24-Hour Delivery
Standard turnaround is 24 hours. Large commercial or multi-structure losses may take 48 hours. Rush delivery is available on request.
Incomplete Documentation Accepted
Send what you have. Photos, partial measurements, adjuster notes — we’ll identify gaps and work with you to fill them rather than turning the job away.
No Retainer, No Commitment
Pay per estimate. No monthly minimums, no contracts, no retainer. Use us for one job or a hundred — view our pricing.
Built with Industry-Standard Estimating Software
Xactimate Estimates for Every Type of Property Damage
We scope insurance claims across all major damage categories using current Xactimate pricing databases and local labor rates.
Fire & Smoke
Structural fire damage, smoke remediation, content loss
Water & Flood
Pipe bursts, flood damage, water intrusion, category 1-3 water
Storm & Hail
Hail impact, severe weather, roof and siding damage
Wind
Hurricane, tornado, straight-line wind structural damage
Mold
Mold remediation scoping, containment, abatement protocols
Xactimate Estimating Services We Provide
From initial scopes to supplement documentation, we handle the full estimating workload so you can focus on the job — or the negotiation.
Full Xactimate Scope Estimates
Complete line-item estimates covering every trade, material, and labor category involved in the loss. Formatted to carrier standards with RCV and ACV values, proper category codes, and current zip-code-specific pricing from the Xactimate database. This is the core of our construction cost estimating services.
Most RequestedSupplement Documentation
When the carrier’s initial estimate comes in short — missing items, incorrect quantities, excluded code upgrades, or improper depreciation — we prepare a detailed supplement with line-by-line justification. Each supplement is formatted for direct submission to the carrier.
Revenue RecoveryCompetitive / Counter Estimates
Need an independent estimate to compare against a carrier scope or a competing bid? We produce a standalone Xactimate estimate you can use in negotiations, appraisals, or disputes — built from your documentation, not the carrier’s assumptions. Learn more about budget estimating and preliminary estimating.
Commercial Property Claims
Multi-unit, retail, warehouse, office — commercial losses involve larger structures, specialized systems, and higher coverage limits. We handle the additional complexity including fire suppression, commercial HVAC, three-phase electrical, and multi-trade coordination.
CommercialEvery Trade Involved in Insurance Restoration
Our Xactimate estimates cover all trades typically required in property damage restoration. Each line item is scoped with accurate quantities and current local pricing. Browse our full trade estimating services.
What Xactimate Is — And Why Carrier Scopes Come In Short
Xactimate is estimating software developed by Verisk that generates repair and replacement costs using localized pricing databases. It’s the industry standard — most insurance carriers in the United States require claims to be submitted in Xactimate format.
The software pulls unit costs for labor, materials, and equipment based on the property’s zip code. It accounts for trade-specific line items, overhead and profit, and regional pricing variations. When used correctly, Xactimate produces estimates that reflect what the work actually costs in a given market.
The problem is that carrier-prepared scopes frequently come in low. Not because Xactimate is inaccurate — but because the scope decisions made within the software favor the carrier’s position.
A professional Xactimate estimate built from the contractor’s or adjuster’s perspective documents what was actually damaged, what the repair actually requires, and what it actually costs — using the same software and the same pricing data the carrier uses. If you need help navigating your claim, consider outsourcing your estimating to professionals who work with Xactimate daily, or consult with a construction estimating consultant.
Common Reasons Carrier Scopes Come In Short
- Missing line items that should be included in the scope
- Incorrect quantities — square footage, linear footage, unit counts
- Code-required upgrades excluded from the estimate
- Matching rules not applied (e.g., undamaged areas that must match)
- Excessive or improper depreciation applied to recoverable items
- Overhead and profit excluded or reduced without justification
Three Steps. 24 Hours. Done.
We built the process around speed without sacrificing accuracy. Send your documentation, and we handle the rest.
Send Your Documentation
Upload photos, measurements, carrier scopes, inspection notes — whatever you have. Incomplete documentation is fine. We’ll identify gaps and work with you.
We Build the Estimate
Our estimators scope every trade, every material, and every line item using current Xactimate pricing databases and your property’s zip code.
Delivered in 24 Hours
You receive a complete, carrier-formatted Xactimate estimate ready for submission, negotiation, or supplement filing.
Frequently Asked Questions About Xactimate Estimating
Get Your Xactimate Estimate
Free quote in 5 minutes. Estimate delivered in 24 hours. No retainer, no commitment.
Upload Documentation
Send your photos, measurements, and carrier scope. Get a free quote in 5 minutes and your completed estimate within 24 hours.
Upload NowCarrier Came In Low?
Get 30% off your first Xactimate estimate. We’ll build a professional scope that documents what the carrier missed — formatted for direct submission.
Claim Your 30% OffTalk to an Estimator
Have questions about your claim or need help determining what documentation to send? Call us directly — no sales pitch, just answers.
+1 (917) 718-0084Or call us directly:
+1 (917) 718-0084