How Public Adjusters Use Xactimate to Maximize Claim Values
Master Xactimate estimation to build detailed, defensible damage estimates that insurance companies respect.
Xactimate is the industry-standard estimation software used by insurance companies, independent adjusters, and public adjusters alike. Because insurance carriers base their own damage assessments on Xactimate, public adjusters who master the platform can create estimates that speak the insurer's language, making negotiations more productive and settlements more favorable.
Key Features for Public Adjusters
Xactimate allows adjusters to create line-item estimates that detail every aspect of repair, from demolition and haul-away to materials, labor, and overhead and profit. The software uses regional pricing databases that reflect actual construction costs in the loss location. For public adjusters, understanding how to properly scope damage and select the correct line items is crucial. Common areas where public adjusters add value include identifying overhead and profit charges that carrier adjusters sometimes omit, including code upgrade requirements, accounting for matching requirements on partial repairs, and pricing specialty items that standard databases may undervalue.
Continuing education in Xactimate is essential because the platform is regularly updated with new features, pricing databases, and line items. Many public adjusting associations offer Xactimate training courses specific to the public adjusting workflow. Investing in Xactimate proficiency is one of the best ways for public adjusters to differentiate themselves and deliver better results for their clients.