Xactimate Review 2026: Pricing, Plans, and Whether It’s Worth It for Roofers

If you roof insurance jobs, Xactimate is already part of your business whether you own a license or not. The adjuster’s estimate is built in it. Every supplement you push gets argued one line item at a time against it.

So this Xactimate review isn’t asking whether it’s the claims industry standard. It’s asking whether you should pay Verisk $2,390 to $2,690 a year to work in the same language the carrier does.

We evaluated Xactimate’s current plans, feature set, 2026 release notes, integrations and user feedback through one lens: what it means for a roofing company. The short version is that storm and restoration roofers should own it, and retail-focused roofers probably shouldn’t.

RSG Verdict

Xactimate is the insurance-claims estimating standard for restoration roofing. Buy the annual Pro plan if claims drive your revenue. Pair it with a roofing CRM, because Xactimate won’t manage your leads, crews or production schedule.

8.3

RSG SilverBest for insurance and storm-restoration roofers

Xactimate earns an 8.3 RSG Score (RSG Silver) under our scoring rubric. It scores 9.5 for features and 9.0 for roofing-specific fit. It loses ground on ease of use (6.5) and pricing value (6.5), and support lands at 7.5.

What Is Xactimate? A Quick Overview for Roofers

Xactimate is Verisk’s property claims estimating software, part of the Xactware family of products. Verisk sells it to adjusters, independent adjusting firms and restoration contractors who need to price property repairs the same way the carrier does.

The engine is the pricing database. Verisk says it researches pricing for more than 460 geographic regions, and its Pro page puts the figure at 468 regions across the US and Canada. According to Xactware’s help center, vendor-specific pricing data updates nightly and general quote prices update monthly. When contractors talk about “the Xactimate price list,” this regional, monthly data is what they mean.

Roofers meet Xactimate on nearly every hail or wind claim:

• The adjuster’s scope comes back as Xactimate line items.
• Your supplement asks for the line items they missed.
• The fight over O&P (overhead and profit) happens on that same estimate.

Owning the software lets you build your side of the claim in the same format instead of marking up a PDF.

It runs on three platforms:

• Desktop: the original full-featured Windows program, with cloud syncing.
• Online: the cloud-based browser version. You log in with Chrome, Firefox or Edge (version 79 or higher) on a Windows machine.
• Mobile: apps where you receive an assignment, sketch the structure, estimate costs, settle onsite and upload.

One thing to understand up front: Xactimate is built for the whole claims industry, not for roofing. Much of the product (XactContents, XactRebuild, Sketch Scan floor plans) targets interior restoration. Roofers get real tools, but the roof is one trade among many.

Xactimate Pricing in 2026: Plans, Tiers, and Hidden Costs

Some software listings still describe Xactimate as quote-based. That’s out of date. Verisk prints its prices on its own product pages, and this is what those pages showed in September 2026.

Xactimate Cost for Contractors: The Math Most Buyers Miss

Two numbers in that table matter most:

• The standard plan on six-month terms costs $3,150 a year. That’s $460 more than a full year of Pro.
• Annual Pro is only $300 more than annual standard, about $25 a month. For that you get two extra platforms, XactScope, Sketch AR, Time & Materials and a year of training.

For nearly every roofer, annual Pro is the right plan.

Costs That Don’t Show Up on the Order Page

• Phone support: Live chat through the eService Center is free and available 24/7, except Christmas Day and New Year’s Day. Phone support costs $20 and runs 6 a.m. to 6 p.m. Mountain Time, Monday to Friday.
• XactAI: Sketch Scan is part of the XactAI suite, which carries its own license. Verisk’s Xactimate pages don’t publish an XactAI price, so get a number from sales first.
• Hardware: Verisk recommends a quad-core 64-bit processor, 16 GB of RAM and 30 GB of free solid-state drive space. Some advanced Sketch AR features need a LiDAR device: an iPhone 12 Pro or later Pro model, or an iPad Pro (2020) or later.
• Extra seats: Verisk’s pages price a single subscription and show no multi-seat pricing. If you have several estimators, call sales at 1-800-424-9228.
• Free trial: Neither Verisk product page mentions one.

Key Features Roofing Contractors Should Know

Sketch, Sketch AR and Sketch Scan

Sketch is where you build the structure model. Sketch AR, included in Pro, uses augmented reality on your phone or tablet to take direct-to-Sketch measurements and add doors, stairs and hallways. It works on non-LiDAR devices, though features such as Auto Capture need a LiDAR sensor.

Sketch Scan arrived in April 2026 as part of the XactAI suite. You walk a space with a LiDAR-equipped iOS device, and it builds a connected floor plan that captures walls, floors, ceilings, counters and furniture.

Be clear about the fit: Sketch Scan LiDAR floor plans are an interior tool. They pay off on the ceiling and drywall damage that follows a roof leak, not on the roof itself.

XactScope for Roofs and Exteriors

This is the most roofing-relevant part of Pro. XactScope provides guided scoping, estimating and audit for roof, exterior and water mitigation projects. Its automation inside Sketch walks you from initial scope to final estimate. XactScope comes with Pro, which is one more reason the single-platform plan is a false economy for roofers.

XactAI Line Item Advisor and AI Photo Descriptions

Verisk’s release notes list both:

• XactAI Line Item Advisor (April 2026): you ask Xactimate which line item to use, and it returns up to three options that fit.
• AI photo descriptions (October 2025): the software labels and describes project photos that don’t already have captions, and you approve or edit the text before completing the project.

Line Item Advisor targets a real complaint. Users say not all line items are easy to find.

XactRebuild and XactXpert

XactRebuild is exclusive to Xactimate Professional. It creates a rebuild estimate from an existing water mitigation estimate, so it’s aimed at mitigation companies more than roofers.

XactXpert is more useful for roofers. It runs estimating rules in real time and shows Violations, Warnings and Cautions in a side drawer. You fix problems before the estimate goes out, not after a carrier review.

Time and Materials (T&M) Estimating

Xactimate Time & Materials is now included in Pro. Verisk positions it for large projects, such as commercial work, where you need to track job costs and report expenses instead of pricing only by line item.

Other Tools Worth Knowing

Verisk’s platform comparison also lists:

• A 3D Sketch view
• Direct Supplier, which you launch from Pro to source supplies locally
• Suggested line items in the mobile app, based on loss type, trade, room type and location
• A 3D cutaway view (live as of September 2026) that removes walls in the model so you can see inside rooms

Xactimate for Roofing Contractors: Where It Fits (and Where It Doesn’t)

Xactimate is usually sold and discussed as adjuster software. For a roofer, it does three jobs.

1. Insurance Supplement Estimating

This is the main reason to own it. When the adjuster’s scope comes up short, you write the supplement in the same line items the carrier used. We walk through the process in our guide to writing roofing supplements with software.

A testimonial on Verisk’s Pro page from a sales coordinator at Complete Exteriors says Xactimate “cuts my estimating/supplementing time in half.” Verisk picked that quote, but it describes the right use case.

2. Turning Measurements Into Estimates

Redrawing a roof in Sketch eats time. Since April 2026, Roofr customers can order an Xactimate ESX file add-on for any Roofr Report and upload it directly into Xactimate, with no manual redraw.

3. Speaking the Carrier’s Language

• ESX file: the file that loads into Xactimate. It’s what Roofr delivers.
• Line items: the individual priced entries in an estimate.
• XactAnalysis: Verisk’s property insurance claims management platform.

For a deeper workflow walkthrough, see our Xactimate guide for roofers.

Where It Falls Short

Xactimate is estimating software, not a roofing CRM. Verisk’s Xactimate pages cover estimating, sketching and claims. They say nothing about lead tracking, canvassing or crew scheduling. Integrations fill part of that gap, which we cover below.

Who Should Not Buy Xactimate

• Retail-heavy roofers who see a few claims a year. At $2,690 a year, you’d be paying claims-software prices for occasional use.
• Mac-only offices. The desktop and online versions require Windows.
• Android-only field teams. Xactimate mobile for Android is being discontinued in Q2 2027.
• Owners with no one to own the learning curve. Users consistently call it steep.

Recent Xactimate Updates: What’s New in 2026

Verisk has shipped a steady run of changes this year, logged in its Xactimate desktop release notes:

• Large Restoration/Remodel labor efficiency setting (March 2026): Verisk covered it in a February 2026 webinar. It joins the default Restoration/Remodel/Service setting and the setting formerly called New Construction, now labeled Total Rebuild or Similar. It suits larger jobs that are accessible, unoccupied and separated from finished areas.
• Sketch Scan (April 2026): LiDAR floor plan capture on iOS, part of the XactAI suite.
• State-specific adjuster license numbers (May 2026): Adjusters can store a different license number for each state they work in. Xactimate automatically applies the one tied to the loss address.

The biggest field-level change is a removal. Verisk’s mobile release notes confirm that Xactimate mobile for Android will have limited functionality beginning in January 2027 and will no longer be available or supported in Q2 2027.

Xactimate Reviews: What Users Are Saying (Pros and Cons)

We reviewed user feedback from software review sites and the Xactimate listing on Apple’s App Store. The praise is mostly about speed once you know the software. The complaints are mostly about getting to that point, and about stability.

What Users Like

The strongest praise comes from testimonials Verisk chose for its Pro page, so weigh them accordingly:

• One user calls it “much more user friendly than the other programs that I have used.”
• An adjuster named Ronald White says it saves him about 10 minutes per room.
• An independent adjuster credits the included training for their “mastery of the platform.”

What Users Complain About

• Crashes. Reviewers recommend saving often. One user said the program is simple to use but “crashes every 5 to 10 minutes,” adding, “I hope they scrap X1 and start over.”
• Learning curve. Users cite a steep learning curve and glitches importing pictures into the newer version. One called the item selection “a little low for commercial use.”
• Finding line items. Reviewers note that “not all line items [are] easy to find.” Line Item Advisor is Verisk’s answer to this.
• Upgrade problems. Users report system upgrades where features stopped working or jobs became inaccessible. Support took 2 to 4 days to resolve those cases.
• Mobile stability. One App Store reviewer says the app isn’t stable enough to rely on and wants photos and sketches saved locally when field internet is spotty. Verisk says the app can be used offline with periodic syncing, so your results may vary by device.
• No mouse support on iPad. One reviewer notes that when drawing a job, you can only move around the screen with an Apple Pencil or a finger.
• Support delays. A long-time user says they left four messages for sales with no reply and waited on hold for over an hour on two occasions.
• Windows only. Users say Mac owners end up buying a separate computer.

Our read: none of these complaints knock Xactimate out for claims work, because there’s no avoiding the carrier’s format. They do explain the 6.5 ease-of-use score.

Xactimate Certification and Training: Is It Required?

No. Verisk’s order pages let you buy a subscription without any certification. Verisk describes its certifications as a way to “validate your training level,” not as a license to use the software.

Training options include:

• Xactware Classroom: hours of self-paced training. It’s included for one year with annual Pro. The monthly Pro plan doesn’t list it.
• Instructor-led courses: taught by Verisk-certified instructors in physical and virtual classrooms.
• Certifications: tests that verify how far your training has progressed.

Should your estimator certify anyway? Given how often users describe the learning curve, we’d say yes for whoever writes your supplements. Treat it like any other trade credential. The NRCA offers training and certifications for roofing professionals, and Xactimate certification is the claims-side equivalent for the person arguing your numbers with adjusters.

Our recommendation: pick one person in the office to own Xactimate. Run them through Xactware Classroom in the first month of an annual Pro subscription, then let them handle every supplement. Splitting the software across three part-time users is how you end up paying $2,690 a year for a tool nobody knows well.

Xactimate vs. Symbility and Other Alternatives

Symbility is the name that comes up most in Xactimate vs Symbility searches. Symbility now sits under Cotality, the name CoreLogic adopted in March 2025, and the US product is sold as Cotality Estimate. Cotality’s product page describes Estimate’s features (guided workflows, AI voice estimating, LiDAR room scanning on Pro iOS devices and offline sync on its iOS app) but publishes no price, so we won’t guess at pricing or score it.

The practical test is simple: before you buy either one, ask which platform the carriers in your market actually send estimates on.

The more useful comparison for roofers is Xactimate against the roofing tools it works alongside:

Here’s how we’d decide:

• Retail roofers: a roofing-specific tool like AccuLynx covers leads, template-based estimates and production. Xactimate covers none of that.
• Roofers who only see occasional claims: Roofr’s ESX add-on gets measurements into Xactimate files without a full workflow built around the software.
• Heavy insurance roofers: you need Xactimate, plus one of these tools to run the business.

Recent Company News and Integrations Affecting Roofers

ServiceTitan partnership (September 2025). ServiceTitan announced a collaboration with Verisk aimed at trades businesses doing insurance work, especially roofing and exteriors.

As Roofing Contractor Magazine reported, contractors load ServiceTitan estimate data into Xactimate for review and validation, and the output flows back into ServiceTitan. That’s a genuine two-way connection. Our ServiceTitan review for roofers covers whether the platform itself is worth the price.

Roofr integration (April 2026). Roofr announced its collaboration with Verisk in April 2026. Per Roofr’s announcement, contractors can order Xactimate ESX file add-ons for any Roofr Report and upload them directly into Xactimate.

Roofr publishes its plan prices, including a $0 Starter plan that charges $12 per ESX file, which makes it a low-cost way for a small shop to connect measurements with Xactimate. More in our Roofr review.

AccuLynx deal in dispute (December 2025 to August 2026). Verisk had agreed to buy AccuLynx for $2.35 billion, then moved to end the deal on December 29, 2025 and redeemed the acquisition-related debt. On August 7, 2026, the Delaware Court of Chancery ruled the termination invalid; Verisk appealed to the Delaware Supreme Court on August 18, 2026, and the deal would still need FTC clearance.

AccuLynx remains independent for now. Our read: Verisk wanted a stronger position in roofing CRM, and while the appeal plays out, its roofing reach comes through partnerships like ServiceTitan and Roofr rather than ownership.

McKenzie Intelligence Services (July 2026). On July 29, 2026, Verisk acquired McKenzie Intelligence Services, a UK-based catastrophe analysis firm, to strengthen catastrophic event preparation and response. Storm roofers should watch this one. Verisk is investing on the carrier side of catastrophe claims, which is where your storm work originates.

Frequently Asked Questions About Xactimate

Final Verdict: Is Xactimate Worth It for Roofers in 2026?

For storm and insurance-restoration roofers, yes. Xactimate isn’t pleasant software. Users report crashes and upgrade headaches, phone support costs $20, and Mac offices are shut out entirely.

But when carriers write their claims in Xactimate line items, owning the same pricing database is the price of admission to argue your supplements properly. XactScope for Roofs and Exteriors, Sketch AR and the Roofr ESX pipeline make it far more usable for roof work than its reputation suggests.

Buy annual Pro. At $2,690 it costs only $300 more than the one-platform plan, and $1,510 less than paying monthly. Assign one person to learn it, and plan around the Android shutdown in 2027.

If you’re a retail-first roofer, don’t buy it. Spend that money on a roofing CRM and measurement tool instead. You can compare options across our independent roofing software reviews. If you’re a high-volume insurance roofer, get Xactimate Pro and pair it with Roofr’s ESX add-on so your estimates move without retyping, and keep an eye on ServiceTitan’s Xactimate integration as it exits private preview.