Services
Xactimate Estimate
Service for Contractors
Need a professional Xactimate estimate for a retail, cash, or non-insurance job? We deliver complete ESX + PDF estimates within 24 hours. No insurance claim. No carrier. Just a clean, accurate scope — ready to use.
What Is a Retail Estimate?
A retail estimate is a professional Xactimate estimate that you order directly — not tied to an insurance claim. You choose the scope, we write the estimate, and you receive a fully formatted ESX file and PDF within 24 hours.
Retail estimates are used for cash jobs, self-pay clients, pre-claim documentation, commercial bids, second-opinion scopes, and any situation where you need an accurate, credible Xactimate document without going through an insurance carrier.
Because we use Xactimate — the same software insurance companies use — your retail estimate carries industry credibility. It's not a contractor bid sheet. It's a line-by-line professional scope that holds up to scrutiny.
Kyle and Lexie Hamrick have written 20,000+ estimates over their careers as licensed insurance adjusters. That experience translates directly into retail scopes that are thorough, accurate, and defensible.
ESX + PDF Delivery
ESX File
The native Xactimate file. Open it directly in Xactimate software, modify line items, apply your overhead and profit, and submit it anywhere Xactimate files are accepted — including directly to insurance carriers as supporting documentation for a supplement. This is the format that professionals use.
PDF Report
A formatted, client-ready document showing the complete line-item scope with pricing. Use it for client presentations, homeowner proposals, lender documentation, or internal project costing. Professional appearance, ready to send immediately.
When Contractors Use Retail Estimates
Retail / Cash Jobs
Homeowners paying out of pocket need a professional, itemized estimate. A Xactimate retail estimate gives you a credible, software-generated scope that clients trust.
Self-Pay Claims
When a homeowner decides to skip insurance and pay directly, you still need a complete scope. Our retail estimates document every line item so you get paid fairly on cash jobs.
Second Opinion on Carrier Scope
Compare our independent Xactimate estimate against what the carrier approved. Identify missed items before you start the supplement — or use it as supporting documentation.
Pre-Claim Documentation
Document storm damage with a professional estimate before even filing a claim. Gives you a clean baseline for what the carrier should approve.
Commercial Bid Support
Need a formal Xactimate scope to support a commercial bid or proposal? We write commercial retail estimates for any system, any size.
Proof of Scope for Financing
Some financing products require an itemized scope document. A professional Xactimate estimate satisfies most lender requirements.
Residential & Commercial
Residential
We write residential retail estimates for all shingle types, tile, metal, and flat roofing systems. Standard turnaround is 24 hours from when we receive your scope information.
- →Asphalt shingles (3-tab & architectural)
- →Tile (concrete & clay)
- →Metal roofing
- →Flat / TPO residential
- →All pitch levels
Commercial
Commercial retail estimates require specialized system knowledge and pricing. We handle all commercial roofing systems with the same 24-hour turnaround.
- →TPO membrane systems
- →EPDM rubber roofing
- →Standing seam & exposed fastener metal
- →Modified bitumen
- →Built-up roofing (BUR)
Frequently Asked Questions
What's the difference between a retail estimate and a supplement?
A supplement is tied to an insurance claim — we're reviewing a carrier's existing estimate and adding missed items. A retail estimate is a standalone Xactimate document you order directly, with no insurance claim involved. You use it to price jobs, present proposals to clients, or establish scope for any project.
What file formats do you deliver?
We deliver your estimate in both ESX format (native Xactimate file) and PDF. The ESX file lets you open, modify, and submit through Xactimate software directly. The PDF is ready to hand to clients, insurance carriers, or use for your own records.
Do you do commercial retail estimates?
Yes. We write retail Xactimate estimates for commercial roofing including TPO, EPDM, metal, modified bitumen, and built-up systems. Commercial estimates require more line items and system-specific pricing — we handle all of it within the same 24-hour turnaround.
Can I use a retail estimate to get a second opinion on a carrier scope?
Absolutely. Many contractors use our retail estimates to compare against what a carrier has already approved — identifying what was underpaid or missed before starting the supplement process. A clean, independent Xactimate estimate is strong documentation to support a supplement.
What do I need to send you to get started?
Send us the property address, roof measurements (or we can use aerial measurement services), and any notes about the job scope — material type, pitch, special conditions. If you have photos, include them. We handle the rest.
Need an estimate by tomorrow?
Send us your scope details and we'll have your ESX + PDF within 24 hours.