Expert Xactimate Estimating Services In USA
Accurate. Fast. Insurance-Compliant Xactimate Estimates Delivered in 24-48 Hours.
Projects Delivered
Bid-Win Ratio
Industry Experience
Nationwide Coverage
Certified Xactimate Estimating Partners - Built on 15 Years of Proven Results
Since 2009,
All State Estimation
has delivered professional xactimate estimating services to insurance carriers, public adjusters, restoration contractors, and property owners across all 50 states - with 15+ years of hands-on experience and thousands of claims handled across every damage type and property category.
Our certified team functions as your dedicated remote xactimate estimator - available on demand, nationwide, with zero staffing overhead. From a single supplement request to large-scale CAT event support, our freelance xactimate estimators bring the regional pricing accuracy, insurance compliance expertise, and claims documentation depth that adjusters and contractors need to settle claims faster and recover every dollar they are entitled to.
What Is Xactimate Estimating?
Xactimate estimating is the process of producing insurance claim cost estimates using Xactimate estimating software - the industry-standard platform developed by Verisk and used by over 70% of insurance carriers across the USA.
Xactimate cost estimating assigns regionally updated, carrier-approved pricing to every repair line item in a claim from water extraction and drywall replacement through structural rebuilds and full roofing restoration - producing insurance-compliant estimates that carriers recognize, adjusters approve, and contractors can execute with complete confidence on every project.
How Xactimate Differs From Standard Construction Estimating
Standard construction estimating uses pricing databases like RSMeans and Craftsman to cost new construction from blueprint drawings.
Xactimate estimating is purpose-built for insurance claims and restoration projects - using carrier-approved regional pricing libraries, damage-specific line items, and scope documentation formats that insurance companies require for adjuster review, claim processing, and settlement approval.
What Is an Xactimate ESX File?
An ESX file is the native project file format produced by Xactimate software - containing the complete claim estimate, Xactimate Sketch floor layout, all line items, pricing, and scope documentation in a single transferable file.
ESX files are shared directly between estimators, adjusters, and insurance carriers - making them the standard professional delivery format for all Xactimate estimates submitted for insurance claim review and settlement.
What Is 5D Xactimate Estimating?
5D Xactimate estimating integrates five project dimensions - scope, quantity, cost, time, and risk - into a single unified claims estimate.
It combines precise digital measurement, monthly-updated regional pricing, construction scheduling data, and risk documentation to produce the most comprehensive and defensible Xactimate estimate possible - especially valuable for large commercial claims, CAT events, and complex multi-trade restoration projects requiring complete carrier documentation.
Who We Work With
We deliver certified Xactimate estimates to every professional in the insurance and restoration industry:
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Public Adjusters
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Independent Adjusters
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Insurance Carriers
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Restoration Contractors
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General Contractors
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Roofing Contractors
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Property Owners & Homeowners
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Property Managers
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Real Estate Investors
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Attorneys & Legal Teams
Industry Certifications That Back Every Estimate We Deliver
Our Full Range of Online Xactimate Estimate Services
Our complete range of xactimate estimate services covers every damage category, every trade, and every claim type across residential, commercial, and industrial properties nationwide:
- Water Damage Xactimate Estimates
- Fire & Smoke Damage Xactimate Estimates
- Storm & Hail Damage Xactimate Estimates
- Hurricane & Wind Damage Estimates
- Flood Damage Xactimate Estimates
- Roofing & Siding Xactimate Estimates
- Mold Remediation Xactimate Estimates
- Interior Damage Xactimate Estimates
- Structural Damage Xactimate Estimates
- CAT Event Claim Writing
- Supplement Estimates
- Desk Review & Adjuster Supplement Support
- Xactimate Sketch & Floor Plan Services
- ESX File Preparation & Delivery
- Scope Writing & Documentation
- Expert Witness & Litigation Support Estimates
- Commercial Property Xactimate Estimates
- Residential Xactimate Estimates
- Renovation & Remodeling Xactimate Estimates
Every Item Included in Your Xactimate Estimate Delivery
Every Xactimate estimate from All State Estimation arrives complete and ready for immediate carrier submission:
- Complete Xactimate Estimate
- ESX File Delivery
- Xactimate Sketch
- Scope of Work Documentation
- Regional Pricing Applied
- Building Code Compliance
- Supplement Identification
- Labor & Material Breakdown
- QA Review
- NDA Coverage
Built for Every Professional in the Insurance and Restoration Industry
Our Xactimate services are purpose-built for every professional operating in the insurance claims and property restoration industry:
Public Adjusters
Public adjusters rely on our Xactimate estimates to build defensible, fully documented claim packages that maximize legitimate settlement value for property owner clients.
Independent Adjusters
Independent adjusters use our remote Xactimate estimating services to manage surge volume during CAT events, peak claim seasons, and high-caseload periods without permanent staff additions.
Insurance Carriers
Carriers use our certified Xactimate estimates for desk review support, independent estimate validation, and high-volume claim processing during CAT event periods.
Restoration Contractors
Restoration contractors use our Xactimate scope writing and estimating services to document repair and rebuild scope accurately, negotiate effectively with adjusters, and secure.
Roofing Contractors
Roofing contractors rely on our Xactimate estimates to document storm, hail, and wind damage with the precision and completeness that adjusters require for claim approval.
Property Owners & Homeowners
Property owners use our independent Xactimate estimates to understand the true and complete cost of their property repairs, challenge low adjuster settlement offers.
Attorneys & Legal Teams
Legal teams use our certified Xactimate estimates and ASPE-certified expert witness services to support insurance dispute litigation, bad faith claim cases, and property damage.
Every Property Type We Estimate
Our xactimate construction estimating team covers every property category and damage type from single-family residential claims through large-scale commercial and industrial restoration projects across all 50 states.
Residential Xactimate Estimates
Residential Xactimate estimates cover single-family homes, multi-family apartments, townhouses, condominiums, and custom homes across every damage category and restoration phase. Water damage, fire damage, storm restoration, roofing, interior repairs, and full rebuild scopes are all handled - with carrier-compliant line items and ZIP code-specific regional pricing applied to every estimate.
Commercial Xactimate Estimates
Office buildings, retail stores, hotels, restaurants, warehouses, and hospitals require Xactimate estimates built to a significantly higher level of complexity - covering full MEP systems, structural damage, interior finishes, and specialty equipment restoration. Every commercial Xactimate estimate is structured to carrier standards and built for large-loss claim submission, adjuster review, and settlement negotiation.
Industrial Xactimate Estimates
Manufacturing plants, processing facilities, and industrial warehouses present complex structural, MEP, and specialty system damage scopes that demand specialized estimating expertise. Our industrial Xactimate estimates account for heavy equipment, process piping, industrial electrical systems, and large-scale structural repairs with the precision and documentation depth that large-loss carriers require on every project.
Roofing & Exterior Claims
Shingles, tiles, metal roofing sheets, membranes, gutters, siding, windows, and all exterior finishes are fully covered in our roofing and exterior Xactimate estimates. Complete scope writing is included from initial storm or hail damage documentation through full exterior rebuild - every line item written and priced to carrier approval standards.
Water & Flood Damage Restoration
Water extraction, structural drying, structural repairs, flooring, drywall, and mold remediation are all included across the complete water damage restoration scope. Every estimate covers mitigation through final rebuild - with IICRC-standard line items, regional Verisk pricing, and complete documentation applied at every restoration phase.
Fire & Smoke Damage Restoration
Structural repairs, smoke cleaning, soot removal, odor treatment, content restoration, and complete rebuild scopes are all covered in our fire damage Xactimate estimates. Every estimate is written to insurance carrier documentation standards - fully itemized, code-compliant, and structured for fair, efficient, and defensible claim settlement.
Storm & CAT Event Claims
Hurricane, tornado, hail, wind, flood, and ice damage claims are handled at any scale - with fully scalable CAT event claim writing support available across all 50 states simultaneously. Our team deploys additional certified estimators during peak CAT seasons to absorb surge volume without compromising accuracy, compliance, or turnaround time.
Renovation & Remodeling Xactimate Estimates
Kitchen, bathroom, basement, and whole-home renovation estimates built in Xactimate serve both insurance claim documentation and direct contractor use - giving property owners and contractors a single, carrier-recognized cost document for all renovation work covered under residential or commercial property insurance policies.
Every Damage Category We Estimate in Xactimate
Our Xactimate estimating services cover major property damage claims across residential, commercial, and industrial properties nationwide.
- Water Damage
- Fire & Smoke Damage
- Flood Damage
- Storm & Hail Damage
- Hurricane & Wind Damage
- Mold & Mildew Damage
- Roof & Siding Damage
- Structural & Foundation Damage
- Electrical & Plumbing Damage
- HVAC Damage
- Interior Damage
- CAT Event Damage
How Our Certified Xactimate Estimators Produce Carrier Ready Estimates
Every Xactimate estimate begins with a full review of all client-provided field documentation, including inspection reports, photographs, moisture readings, and adjuster notes, before a single line item is written.
Our certified Xactimate estimator team builds precise digital floor layouts using Xactimate Sketch, with regional Verisk pricing libraries applied monthly to keep every estimate within a 1–2% accuracy margin.
Every estimate is written in full compliance with IBC, IRC, NEC, NFPA, and IECC building codes, with missing and overlooked items proactively identified before delivery.
All completed estimates pass through a lead estimator QA review, with full ESX file output included. For clients looking to outsource Xactimate estimating at any volume, we handle single claims and large-scale CAT events with identical precision and turnaround standards.
What You Gain When You Hire Our Xactimate Estimators
Our affordable xactimate estimating services gives insurance professionals and restoration contractors a certified, on-demand estimating team - without the overhead, delays, or limitations of permanent in-house staff:
98% Claims Accuracy
Every estimate verified to a 1-2% accuracy margin through QA review and regional pricing compliance
Faster Claim Settlement
Carrier-compliant estimates submitted faster mean quicker approvals and faster settlement for every claim.
Certified Estimators
Every estimate prepared by Xactimate certified professionals with direct insurance and restoration industry experience.
Supplement Maximization
Missing and overlooked items identified and documented - maximizing legitimate claim value on every project.
Building Code Compliance
IBC, IRC, NEC, NFPA, and IECC compliance built into every estimate - reducing approval delays and compliance risk.
ESX File Delivery
Native Xactimate ESX files delivered for direct carrier and adjuster submission - no reformatting required.
Scalable CAT Support
High-volume CAT event claim writing available on demand - scale up instantly without hiring.
NDA on Every Project
Complete confidentiality of all claim documentation and property data guaranteed from day one.
Fixed Price Per Estimate
No hourly billing - one agreed price per estimate with unlimited revisions included.
24/7 Support
Chat, call, and email support available around the clock for every active claim.
Delivery Timelines by Claim Type What to Expect on Every Project
Every claim type at All State Estimation has a defined standard turnaround, here is exactly what to expect.
| Claim / Project Type | Standard Turnaround | Rush Available |
|---|---|---|
| Roofing & Siding Estimates | 24–48 Hours | Yes |
| Water Damage Estimates | 24–48 Hours | Yes |
| Fire Damage Estimates | 24–48 Hours | Yes |
| Interior Estimates | 24–48 Hours | Yes |
| Large Commercial Claims | 48–72 Hours | Yes |
| CAT Event Volume | Custom Schedule | Yes |
| Supplement Estimates | 24 Hours | Yes |
Getting Your Xactimate Estimate A 4-Step Process
Getting a certified Xactimate estimate from All State Estimation is fast, straightforward, and built entirely around your claim timeline and submission deadline.
Submit Your Field Documentation
Upload all field documentation through our secure online portal - inspection reports, photographs, moisture readings, adjuster notes, floor plans, and any existing scope documents. Your project is immediately assigned to a certified estimator with direct experience in your specific damage type and property category.
Damage Scope Review & Documentation Analysis
Your assigned estimator conducts a thorough review of all submitted documentation - identifying full damage scope, missing items, code compliance requirements, and supplement opportunities before a single line item is written. Gaps and clarification needs are confirmed with you directly before estimate writing begins.
Xactimate Estimate Writing & Regional Pricing
Our estimator builds a complete Xactimate Sketch floor layout and writes the full line-item estimate - applying monthly-updated regional Verisk pricing libraries and RSMeans databases calibrated to your exact ZIP code. Prevailing wages, union rates, standard time, and overtime are all factored in at the trade level across every damage category in the claim.
QA Review, ESX File Delivery & Unlimited Revisions
Every completed estimate passes through a lead estimator QA review - verified for missing items, building code compliance, and regional pricing accuracy before delivery. Your final estimate and ESX file arrive within 24-48 hours, complete with full scope documentation and supplement identification. Unlimited revisions are included until the estimate meets your exact requirements.
Estimating Software We Use on Every Project
We use trusted estimating, takeoff and construction cost database software to prepare accurate quantities, localized pricing and bid-ready reports for every project.
Why Professionals Choose All State Estimation for Xactimate Estimating
One certified partner - accurate, fast, and built to help you win more bids from every blueprint you submit:
- 15+ Years of Experience
- 5,000+ Projects Completed
- AACE & AIQS Certified
- Full Blueprint Reading
- 24-48 Hour Turnaround
- ZIP Code-Specific Pricing
- Unlimited Revisions
- NDA on Every Project
- All CSI Trades Covered
- All 50 States Covered
Upload Your Plans for a Bid-Ready Takeoff
24-48 hour turnaround. ESX file included. NDA signed before we begin.