Xactimate for Roofers: Complete Guide to Insurance Estimates

Every roofing contractor doing insurance work has stared at an Xactimate estimate and thought: this doesn’t cover half the job. You’re not wrong. The adjuster’s initial scope almost always misses something: drip edge, code-required ice and water shield, steep charges, permit fees. The contractors who make money on insurance jobs are the ones who understand exactly how Xactimate works and can fight back with documentation.

We evaluate roofing software at Roofing Software Guide, and Xactimate is uniquely important. It’s not a CRM. It’s not a measurement tool. It’s the language that insurance carriers speak, and if you don’t speak it fluently, adjusters will underpay you on every claim.

This guide is written specifically for roofing contractors, not adjusters. We’ll cover how to read estimates, write supplements, catch costly errors, and use the 2026 features that actually matter for your roof jobs.

What Is Xactimate and Why Does It Matter for Roofing Insurance Claims?

Xactimate is property claims estimating software from Verisk, built by its Xactware business. Insurance carriers, independent adjusters, public adjusters, and restoration contractors all use it to create standardized, line-item estimates for property damage repairs. Verisk says Xactware solutions are used by 80% of the top property insurance carriers. When a homeowner files a hail or wind damage claim, the estimate the insurance adjuster produces is very likely written in Xactimate.

Why does this matter for roofers? Because Xactimate creates the shared language between you, the adjuster, and the carrier. Your contractor estimate, built from your material costs and labor rates, means nothing to an insurance company. Their Xactimate estimate, built from a standardized price list with region-based pricing, is what determines payment.

This creates a fundamental tension. The adjuster’s scope of work often doesn’t match what the job actually requires. Line items get missed, waste calculations come in low, and code-required materials get omitted.

The contractors who understand Xactimate roofing estimates can identify these gaps, write supplements, and recover the full value of the work. The ones who don’t just eat the difference.

Understanding insurance claim processes is part of running a restoration business, and in practice that means understanding Xactimate. This guide covers everything from reading your first estimate to writing supplements that recover missed line items, plus the 2026 feature updates that affect your workflow.

How Xactimate Roofing Estimates Are Structured

Before you can dispute an estimate, you need to understand how one is built. Every Xactimate roofing estimate follows the same basic structure, and knowing the anatomy saves you from getting shortchanged.

Header and Price List

Every estimate starts with header information: claim number, policyholder name, property address, and, critically, the price list version. Xactimate prices by region, and Xactware’s help center says general prices are updated monthly (vendor-specific pricing is updated nightly). This means the cost of a roofing square of architectural shingles in Phoenix will price differently than the same line item in Chicago.

The price list date matters. If the adjuster wrote the estimate using a price list from three months ago, material and labor costs may have increased since then. Always check the price list version at the top of the estimate.

The RFG Category Code

All roofing line items in Xactimate live under the RFG category code. When you see codes like RFG SHNGL or RFG FELT, the RFG prefix tells you it’s a roofing item. Understanding these codes helps you quickly scan an estimate and identify what’s included and, more importantly, what’s missing.

Common Roofing Line Items

A standard Xactimate roofing estimate includes line items for shingles (measured in roofing squares), underlayment, drip edge, flashing, hip and ridge cap, starter strips, tear-off, and haul-off. Each line item has a quantity, unit of measurement, unit price, and total. Some items are priced per square foot, others per linear foot, and others per each.

You’ll also encounter if-incurred items: line items the carrier includes conditionally, only paying if the work is proven necessary. Satellite dish reset, pipe jack replacement, and additional layers of tear-off are common if-incurred items on roofing claims.

RCV, ACV, Depreciation, and O&P

The estimate summary shows three critical numbers. Replacement cost value (RCV) is the full cost to replace the damaged components. Depreciation is the carrier’s reduction based on the age and condition of the existing roof. Actual cash value (ACV) is the RCV minus depreciation; this is what the homeowner gets paid initially on most claims.

Overhead and profit (O&P) is the contractor’s markup for managing the project, commonly figured as 10% overhead plus 10% profit. Some carriers include it automatically; others fight it. If you’re coordinating multiple trades on a storm job, you have a strong case for O&P, and we’ll cover how to defend it later.

The ESX Roof Sketch

The adjuster’s roof measurements are captured in an ESX file, the roof sketch built inside Xactimate’s Sketch module. This file calculates total square footage, which converts into roofing squares (one square = 100 square feet). Always compare the sketch dimensions against your own field measurements or an aerial report from a service like EagleView or Roofr. Sketch errors directly affect every quantity on the estimate.

Some measurement tools hand you an ESX file you can load straight into Xactimate. Roofr sells ESX files through its Verisk integration, announced in April 2026: $12 per report on its Starter plan and $10 on Measure+, or $23 for a Roofr report plus ESX file on Essentials and Scale. Hover lists Xactimate, XactAnalysis and XactRemodel among its integrations. ServiceTitan’s Xactimate integration is still in private preview for select accounts.

How to Read an Xactimate Roof Estimate as a Contractor

Reading an Xactimate estimate isn’t just about checking the total at the bottom. It’s about systematically auditing every section to find what’s missing or undervalued. Here’s the step-by-step process we recommend.

Step 1: Verify the Price List Date

Look at the top of the estimate for the price list version. If the adjuster used a price list that’s more than 60 days old, material and labor costs may have shifted. This is especially relevant during periods of rapid material price increases. You can request the carrier re-run the estimate on a current price list.

Step 2: Check the Roof Sketch Measurements

Compare the total square footage on the Xactimate roof sketch to your own measurements. A discrepancy of even 200 square feet on a 2,000-square-foot roof means you’re losing two full roofing squares of material and labor. If you’re using a measurement app, overlay it against the adjuster’s numbers.

Step 3: Scan for Missing Line Items

This is where the money is. Adjusters frequently omit:

• Ice and water shield (the International Residential Code requires an ice barrier at the eaves where ice dams are a known problem; see how far up the roof it has to go)
• Code upgrade line items (ventilation changes, deck repair)
• Permits
• Satellite dish or antenna detach and reset
• Pipe jack replacement
• Ridge vent (or ridge vent measured in wrong units)
• Drip edge on rakes (often only measured on eaves)

Step 4: Understand the Depreciation

Check whether depreciation is recoverable or non-recoverable under the homeowner’s policy. Recoverable depreciation gets paid back after work is completed and documented. Non-recoverable depreciation is gone forever. This distinction changes the project’s financial math significantly.

Step 5: Flag Market-Pricing Gaps

Here’s an uncomfortable truth that users report: Xactimate pricing doesn’t always reflect current market rates. Contractors consistently report that certain categories, particularly drywall but also some roofing materials, price below what you’ll actually pay at the supply house. Know which line items run low in your market and be prepared to document the difference.

Writing Xactimate Roofing Estimates: A Contractor’s Workflow

Most roofing contractors encounter Xactimate by reading adjuster estimates. But some contractors, especially those doing high-volume insurance restoration, write their own estimates to submit alongside or in place of the adjuster’s scope. Here’s how that workflow works.

Who Writes Xactimate Estimates?

Insurance adjusters write the initial estimate. Public adjusters write competing estimates on behalf of homeowners. Supplement specialists (like American Roof Supplements or HF Estimates) write revised estimates for contractors. And some roofing contractors with their own Xactimate license write estimates in-house.

If you’re considering becoming your own Xactimate estimate writer, you’ll need a subscription, and Verisk publishes the prices in its online store. Standard Xactimate costs $1,575 for six months or $2,390 a year and runs on one platform of your choice: desktop, mobile or online. Xactimate Professional costs $350 a month or $2,690 a year and covers all three platforms, plus XactScope, Sketch AR and Time & Materials.

Verisk’s pages don’t mention a free trial. An annual Xactimate Professional subscription includes one year of complimentary access to Xactware Classroom, the official training platform. Live chat support is free 24/7 through Verisk’s eService Center, and phone support costs $20 per call, 6 AM to 6 PM Mountain Time.

The Step-by-Step Workflow

1. Create a new project: Enter claim details, select your region-based price list, and set the project type.
2. Build the roof sketch: Import an aerial measurement or build the sketch manually. The ESX file calculates all areas, pitches, and geometry.
3. Assign line items: Use the RFG category code to add roofing line items: shingles, underlayment, drip edge, flashing, starter, hip/ridge, tear-off, and haul-off. Xactimate’s automatic waste calculation for roofing materials adjusts quantities based on roof complexity, so a hip roof gets more waste than a simple gable.
4. Add waste factor adjustments: Verify the system’s waste calculation matches reality. Complex roofs with multiple valleys and hips need higher waste than the default.
5. Write F9 notes: This is where you justify each line item. F9 scope notes are attached directly to individual line items and should cite code requirements, document existing conditions, and explain why the item is necessary. Adjusters read these. Make them count.
6. Attach photos: Document every condition you’re claiming. XactAI can label and describe project photos automatically, but review and approve every label before submitting.
7. Submit: Send via XactAnalysis or directly to the carrier.

Line-Item Macros and Labor Efficiency

Experienced Xactimate users build line-item macros: saved groups of commonly used line items that can be applied to new projects with one click. For a standard architectural shingle re-roof, your macro might include 15 to 20 line items covering everything from tear-off to final cleanup. This cuts estimate writing time dramatically.

In early 2026, Xactimate added a third labor efficiency setting, Large Restoration/Remodel. Previously, estimators chose between Restoration/Remodel/Service (the default for insurance repair work) and New Construction (now labeled Total Rebuild or Similar), and larger restoration jobs didn’t fit cleanly into either. The new setting sits between the two, for larger jobs that are easy for crews to reach, separated from finished areas, usually unoccupied, and simple to schedule deliveries for, as C&R magazine explains.

Xactimate Roof Supplements: How to Stop Leaving Money on the Table

This is where the real money is in insurance roofing. A supplement is a revised or additional estimate submitted after the initial adjuster scope to capture line items that were missed or undervalued. By our estimate, contractors who supplement effectively recover $1,500 to $3,000 or more per job that they would otherwise have lost. Contractors who don’t supplement are subsidizing the insurance company’s profit margin with their own.

When to Supplement

Every time you identify a gap between the adjuster’s estimate and the actual scope of work, you have grounds for a supplement. This isn’t about inflating claims; it’s about getting paid for legitimate work that the initial inspection missed.

Common triggers include: items discovered after tear-off (rotted decking, additional layers), code-required materials not in the original scope, and market-rate labor or material costs that exceed the Xactimate pricing per square for your region.

The Most Commonly Missed Roofing Line Items

Based on our analysis of contractor feedback and supplement specialist services, these are the line items most frequently missing from initial adjuster scopes:

• Ice and water shield: Required at the eaves by code in areas with a history of ice dams (IRC R905.1.2), and further up the roof under some local codes and shingle manufacturers’ instructions, but adjusters often include only underlayment
• Steep-slope or high-roof charges: Jobs over 2 stories or steeper than 7/12 require additional labor time and safety equipment
• Permit fees: Often excluded entirely despite being a real project cost
• Dumpster and haul-off: Tear-off debris removal sometimes listed below actual dumpster rental costs
• Detach and reset gutters: If gutters must be removed for proper drip edge installation
• Drip edge: Frequently omitted on rakes, or left out entirely on older homes where it wasn’t originally installed
• Ridge cap measured incorrectly: Sometimes measured in squares when it should be linear feet, or vice versa

The Supplement Workflow

1. Identify gaps: Compare the adjuster’s estimate line by line against your field inspection and local code requirements.
2. Compile documentation: Photos of every condition you’re supplementing for, manufacturer installation specs (GAF and other manufacturers publish detailed requirements), and local building code citations.
3. Write revised line items: Build the supplement in Xactimate using the same format the adjuster used. Match their price list version. Add detailed F9 notes to every new or modified line item.
4. Submit via XactAnalysis: Or send directly to the claims adjuster with all supporting documentation attached.

Defending Overhead and Profit

Carriers routinely push back on overhead and profit. Their argument: O&P only applies when a general contractor coordinates multiple trades. Your counter: on storm damage jobs involving roofing, gutters, siding, interior repairs, and sometimes painting, you are the general contractor coordinating those trades. Document every sub-trade involved, and cite your state’s regulations on contractor compensation.

Outsourcing Supplements

If writing supplements in Xactimate isn’t your strength, or you simply don’t have the time, supplement specialists can handle it for you. Services like American Roof Supplements and HF Estimates write Xactimate supplements on behalf of roofing contractors, typically for a flat fee or a percentage of recovered funds. For contractors doing fewer than 10 insurance claims per month, outsourcing often makes more financial sense than maintaining an in-house Xactimate license and trained estimator.

Common Xactimate Roofing Errors (and How to Catch Them Before They Cost You)

These are the seven most common Xactimate roofing errors we see contractors report, roughly in order of how much money they can cost.

Error 1: Wrong or Outdated Price List

The carrier uses an older price list that doesn’t reflect current material and labor costs. By our estimate, this can undervalue an entire estimate by 5% to 15%, depending on how old the price list is. Fix: Check the price list date on page one of every estimate. If it’s more than 60 days old, request a re-run on the current month’s list.

Error 2: Incorrect Waste Factor

A flat 10% waste percentage applied to a complex hip-and-valley roof dramatically underestimates material needed. By our estimate, hip roofs need 15% to 20% waste depending on complexity. Fix: Verify the waste calculation against actual roof geometry. Xactimate can automatically calculate waste for roofing materials based on the sketch, but only if the sketch is accurate.

Error 3: Missing Code-Required Upgrades

The International Residential Code (section R905.1.2) requires an ice barrier from the lowest roof edges to at least 24 inches inside the exterior wall line wherever ice damming is a known problem, and some local codes and shingle manufacturers go further. If it’s not in the estimate, you’re buying it out of pocket or violating code. Fix: Know your local ICC building codes and supplement every code-required item that’s missing.

Error 4: Drip Edge Omitted or Underquantified

Drip edge is one of the most frequently omitted line items. When it is included, it’s often measured only on eaves, missing the rakes entirely, even though the IRC calls for drip edge at eaves and rake edges of shingle roofs (section R905.2.8.5; some states amend it). On a 30-square roof, that can be 100 or more linear feet of drip edge you’re eating. Fix: Measure all eave and rake edges independently and verify against the estimate.

Error 5: O&P Excluded When You’re Acting as GC

If you’re coordinating multiple trades (roofing, gutters, siding, interior), you’re functioning as a general contractor, which is the usual basis for claiming overhead and profit; the policy and your state’s rules decide whether it’s owed. Carriers exclude it by default on many claims. Fix: Document every trade involved and submit a supplement specifically for O&P with your justification.

Error 6: ACV vs. RCV Confusion

Some estimates show only the actual cash value when the policy covers replacement cost value. This isn’t always an error, since it may reflect the initial payment before work begins, but if the estimate is capped at ACV when it shouldn’t be, you need to flag it immediately. Fix: Confirm the policy type with the homeowner and verify the estimate matches.

Error 7: Roof Sketch Measurement Errors

The entire estimate is built on the roof sketch. If the sketch dimensions are wrong, every line item quantity is wrong. Fix: Always field-verify or cross-reference with an independent measurement from EagleView or a similar service. Even a 5% discrepancy on a large roof changes the job total by hundreds of dollars.

Xactimate vs. Symbility for Roofing: Which Platform Will You Encounter?

Contractors ask this a lot, so here’s the straight answer: you’ll see Xactimate far more often. Verisk says Xactware solutions are used by 80% of the top property insurance carriers. Symbility is the other name you’ll run into, and it now belongs to Cotality, the name CoreLogic took in March 2025.

For most roofing contractors, learning to read and supplement Xactimate estimates is the higher-priority skill. You’ll only encounter Symbility when working with specific carriers that use it exclusively. When you do, the basic concepts are similar (line items, scope of work, region-based pricing), but the interface and code structure differ enough that you’ll need time to adjust.

Neither platform perfectly reflects current market labor and material costs. This is a documented frustration across user reviews for both platforms. The skill that transfers regardless of platform: knowing what a roofing job actually costs and being able to document the difference between the estimate and reality.

Xactimate for Roofers: 2026 Features Worth Knowing

Xactimate pushes regular updates, but most of them matter more to adjusters than to roofers. Here are the recent features that actually affect your workflow as a roofing contractor.

Large Restoration/Remodel Labor Efficiency Model

Introduced in early 2026, this is a big change for storm restoration contractors. Previously, Xactimate had two labor efficiency settings: Restoration/Remodel/Service and New Construction (now Total Rebuild or Similar). Larger restoration jobs didn’t fit either category cleanly, forcing estimators into manual workarounds. The new Large Restoration/Remodel setting sits between the two, and its effect on the labor total varies by trade rather than by job size alone.

Sketch AR and Sketch Scan

Sketch AR measures rooms and draws diagrams with a phone or tablet, and it’s included in Xactimate Professional. Sketch Scan captures floor plans. For storm jobs where you’re documenting both roof and interior damage over multiple trips, that saves real time over hand measuring.

3D Cutaway in Sketch

The new 3D cutaway view in Sketch lets you remove walls in the 3D model to inspect interior conditions without additional site visits. Useful when a hail claim also involves interior water damage that you need to scope alongside the roof.

AI-Assisted Photo Descriptions

XactAI, the AI built into Xactimate, automatically labels and describes project photos. This saves time on documentation, but review and approve every AI-generated description before finalizing. Don’t blindly accept them: inaccurate photo labels can undermine your supplement if the carrier questions them.

Xactimate Mobile

Xactimate mobile runs on iPhone and iPad (iOS and iPadOS 18 or later), and Verisk says the Android app will be discontinued in the second quarter of 2027. For field roofers, the mobile workflow lets you start scoping a project on-site rather than waiting to get back to the office. That said, users report the mobile experience still lags behind desktop for complex estimates.

XactRebuild for Water Mitigation

XactRebuild, part of Xactimate Professional, creates a rebuild estimate from the data in an existing water mitigation estimate. For roofers, this becomes relevant on storm jobs where interior water damage accompanies the roof claim: you can build the rebuild scope from the mitigation data rather than starting from scratch.

Xactimate Roofing Training: How to Get Up to Speed

Here’s the honest truth about the Xactimate learning curve: it’s steep. Users report that line item names don’t always align logically, the navigation is complex, and training new employees is genuinely difficult. This isn’t a tool you’ll master in a weekend.

Training Options for Roofing Contractors

Most Xactimate training is designed for adjusters, not contractors. That’s a problem. Here are the options that exist:

• Xactware Classroom: The official training platform, included free for one year with an annual Xactimate Professional subscription. Covers the software mechanics but doesn’t teach you how to think like a contractor writing supplements.
• Third-party online courses: Several independent trainers offer Xactimate training for roofers specifically. Look for courses that focus on the RFG category, supplement strategy, and F9 note writing rather than general claims adjusting.
• Supplement specialist mentorship: Some supplement services offer training alongside their writing services. This can be the fastest path to proficiency because you’re learning from people who write roofing supplements daily.

Our Recommended Learning Path

Don’t start by trying to write estimates. Start by reading them. Get copies of 10 to 15 Xactimate roofing estimates and audit them against our error checklist above. You’ll learn the line item structure, pricing logic, and common gaps faster by auditing than by building estimates from scratch.

Reading estimates is immediately profitable: you’ll catch money on your very next insurance job. Once you’re comfortable reading, move to writing supplements. Then graduate to full estimate writing if your volume justifies it.

Platform Limitations to Plan For

Xactimate desktop and Xactimate online both need Windows (10 or 11, 64-bit). Verisk says its estimating products aren’t supported on macOS or on Apple silicon machines, so Mac users need a separate Windows computer or the iPhone and iPad app. Plan for this before purchasing.

Users also report admin confusion. Xactimate, XactAnalysis, and Xactware operate as separate portals with separate logins. From an administrator’s perspective, dealing with the company can mean navigating multiple portals under what sometimes feels like multiple companies. Budget time for setup headaches.

Is Xactimate Worth It for Roofing Contractors? Honest Pros and Cons

Who Should Subscribe vs. Who Should Outsource

Our rule of thumb: if your company handles 10 or more insurance claims per month, in-house Xactimate proficiency pays for itself quickly. An annual Xactimate Professional subscription costs $2,690, about $224 a month, and the training time and learning curve are justified by the volume of supplements you’ll write and the money you’ll recover.

If you’re doing fewer than 10 insurance claims monthly, outsourcing to an Xactimate estimate writing service often makes more financial sense; some are paid from recovered supplement funds rather than an upfront fee. You get the benefits of expert-level supplements without the overhead of licensing and training.

Regardless of volume, every roofing contractor doing insurance work should know how to read an Xactimate estimate. That skill alone, which requires no subscription, protects you from leaving money on the table. If you’re building out your full storm restoration software stack, Xactimate knowledge is the foundation everything else sits on.

Prices can change, so confirm them in Verisk’s online store before you buy. Verisk’s pages don’t mention a free trial, so ask sales if you want one.

Final Verdict: Should You Learn Xactimate for Roofing?

Yes. Without qualification. If you do insurance restoration work, Xactimate fluency pays for itself on your next claim. By our estimate, the contractors who understand how to read an Xactimate estimate, identify missing line items, and write documented supplements earn $1,500 to $3,000 or more per job than those who accept the adjuster’s initial scope.

The software itself has real problems: a steep learning curve, customer support users describe as poor, a pricing database that doesn’t always match market reality, and crashes. But none of that changes the fundamental fact: Xactimate is the language insurance carriers speak, and refusing to learn it is an expensive mistake for a storm restoration contractor.

Ready to buy a license? Our Xactimate review compares the plans, platforms and support costs, and gives our verdict.

Start by learning to read estimates; no subscription required. Move to writing supplements when the volume justifies it, or outsource to a specialist. Either way, stop accepting adjuster estimates at face value: every estimate is a draft, and your job is to make it accurate.