Xactimate is widely used property-loss estimating software. When both a contractor and carrier use it, their repair scopes can be compared line by line instead of only comparing bottom-line totals. Integrity CRR’s in-house estimating staff writes roofing scopes in Xactimate and compares them with the carrier’s estimate when it uses the same format.
What Is Xactimate, and Why Does My Roofer Need It?
Xactimate is a line-item estimating platform, built by Verisk, that supports construction and property-repair estimates using regional price data. It is widely used in property-loss estimating, although carriers and contractors may use other platforms or formats. When both estimates use Xactimate, corresponding repair operations, quantities, and pricing can be compared more directly.
A Xactimate estimate isn’t just a total dollar figure. Each line can include a code, unit of measure, unit price, and quantity. Claim estimates commonly distinguish RCV (replacement cost value) from ACV (actual cash value after depreciation). Some replacement-cost policies initially pay an actual-cash-value amount and release eligible recoverable depreciation after completed work is documented. The policy and carrier’s claim decision determine which amounts apply.
If your roofer does not work in Xactimate, it may submit a bid in a different format from the adjuster’s estimate. That can make it harder to compare specific items, such as whether ice and water shield appears in both scopes. Integrity CRR is service-disabled veteran-owned, and its in-house team writes roofing estimates in Xactimate. Integrity CRR, LLC currently holds Georgia company license GCCO009212, with Zachary Chastain Whyte as qualifying agent under GCQA009212; verify both current records in the live state lookup.
How Integrity CRR Uses Xactimate on Your Claim
Working a claim in Xactimate isn’t a paperwork exercise. It changes what happens at every stage:
- Inspection. A roof inspector documents observed conditions on accessible roof areas, not just from photos, and notes signs consistent with functional damage or cosmetic wear. The carrier determines coverage under the policy.
- Documentation. Every damaged component gets photographed and logged against a specific Xactimate line item, so nothing depends on memory or a verbal description later.
- Adjuster meeting. Our team walks the roof with the adjuster and compares our line-item scope against theirs while standing on the damage, not after the fact over email.
- Supplementing. Anything missing from the carrier’s approved scope, code-required upgrades, decking replacement discovered once the roof is opened, damaged flashing, detached structures, gets submitted as a supplement with photo documentation and the matching Xactimate line item.
- Scope of repair. The final approved scope becomes the actual repair specification, so the crew building the roof is working from the same document the carrier approved, not a separate in-house estimate.
What to Check on Your Adjuster’s Xactimate Estimate
You don’t need Xactimate training to read your own estimate, but a handful of line items get missed often enough that they’re worth checking for by name before you sign off:
- Ice and water shield. Many jurisdictions require it at eaves and valleys; a first-pass estimate sometimes prices to an older code cycle instead of the one currently in effect.
- Drip edge. Frequently left off entirely on wind and hail claims even though most current codes require it around the full roof perimeter.
- Tear-off of every layer. If your roof has two layers of shingles, the estimate needs to price removing both, not one.
- Ridge cap and ridge vent, priced as their own line items rather than lumped into the field shingle quantity.
- Flashing — step flashing, counter-flashing, and pipe boots, especially where new shingles meet a chimney, wall, or skylight.
- Overhead and profit (O&P). This applies when the job needs two or more trades or general contractor coordination; carriers sometimes drop it from an estimate that should include it.
If any of these are missing from your adjuster’s scope but are visible on the roof, that’s grounds for a supplement, not an argument. It’s a specific line item you can point to and a code section or photo you can attach to it.
Roofing Is Self-Performed, Not Brokered Out
On commercial build-outs, tenant improvements, and public works, Integrity CRR operates as the general contractor managing vetted subcontractors with a track record on prior projects. Roofing is the exception: Integrity CRR self-performs roofing with its own crews, and the roofing estimate is written by the in-house estimating team, not farmed out to a separate estimator or a sub. The company that writes the scope is the same company holding the GC license that builds the repair.
What Happens if the Carrier’s Estimate Comes Up Short
Once a claim is approved, our in-house Xactimate staff writes a detailed repair scope based on observed conditions. That may include applicable code upgrades, detached structures when relevant, and labor or materials documented after the roof is opened during authorized work. If the approved estimate appears incomplete, we document supported differences with photos and corresponding Xactimate line items and submit a supplement request.
The carrier decides coverage and payment under the policy. Integrity CRR does not guarantee approval, coverage, reversal of a denial, or a particular payment. It is not a public adjuster and does not negotiate, adjust, or settle claims on an owner’s behalf; it writes the repair scope and submits construction documentation as the contractor.
What This Means for Your Repair Cost
Xactimate does not set your out-of-pocket cost; the policy terms and carrier’s claim decision determine coverage and payment. A complete contractor scope gives the carrier itemized construction information to review but does not make any line item payable. General Southeast market ranges below are not a quote; every roof needs a site-specific estimate:
| Scope item | Typical metro Atlanta range |
|---|---|
| Localized shingle repair | $600 - $2,500 |
| Full asphalt shingle replacement | $9,000 - $18,000 |
| Code-required upgrades (drip edge, ice and water shield) | $500 - $2,500, often missing from a first-pass adjuster estimate |
| Commercial low-slope TPO replacement | Project-specific estimate; use the commercial roof budgeting worksheet |
A residential roof that lands at the top of these ranges usually has steep pitch, multiple layers to tear off, or extensive decking replacement once the old roofing comes up; a roof at the low end is a simple, single-layer, walkable tear-off.
Why This Matters More Than It Sounds Like It Should
A roof claim is decided almost entirely on paper before a nail gets fired. If the paper the carrier is working from is missing line items, the repair gets built to a scope that’s short, and the gap lands on the homeowner unless someone catches it before the work starts. That’s the actual value of a contractor who works in Xactimate: not a sales pitch about “fighting for you,” but a specific, checkable comparison between what the carrier approved and what the roof requires.
Integrity CRR serves Atlanta, Sandy Springs, Dunwoody, and the surrounding metro on both roofing and storm restoration claims. If you’ve got an adjuster estimate in hand and aren’t sure it covers everything, contact us or call (833) 423-6255 and we’ll walk the scope with you line by line.
Frequently Asked Questions
Is Xactimate commonly used for insurance estimates?
Xactimate is widely used property-loss estimating software, but carriers and adjusters may use other tools or formats. When both estimates use Xactimate, a contractor can compare corresponding line items directly instead of relying only on a bottom-line comparison.
Does my roofing contractor need to use Xactimate?
It isn’t legally required, but Xactimate is widely used property-loss estimating software. Integrity CRR’s in-house team writes estimates in Xactimate. When both estimates use it, corresponding line items can be compared directly. The carrier still evaluates the submitted scope and coverage under the policy.
What is a supplement, and when does my roofer file one?
A supplement is an additional claim submission for damage or code-required work that the carrier’s original approved scope left out, things like ice and water shield, decking replacement found once the roof is opened, or a damaged detached structure. Integrity CRR documents the gap with photos and the matching Xactimate line item and submits it to the carrier as part of the same claim.
Can my contractor negotiate my claim settlement with the insurance company?
No, negotiating, adjusting, or settling a claim on a homeowner’s behalf is licensed public-adjuster work in Georgia, and Integrity CRR is not a public adjuster. As your contractor, we write the repair scope, document the damage, and submit supplements, while the coverage decision stays between you and your carrier.
What’s the difference between RCV and ACV on my Xactimate estimate?
Replacement-cost-value and actual-cash-value provisions handle depreciation differently, but policy definitions and payment procedures vary. Ask the carrier or a licensed agent which terms apply, whether any depreciation is recoverable, and which completion records are required. The contractor does not decide those policy questions.
How long does the Xactimate estimate and supplement process take?
Inspection and the carrier’s initial adjuster estimate typically take one to two weeks. A supplement submitted with photo documentation and matching Xactimate line items is usually reviewed within another one to three weeks, though timelines run longer with any carrier during high claim volume after a widespread storm event.