The Estimate Company
Professional Roofing Insurance Claim Estimating
Roofing insurance claim estimating isn't the same as writing a retail bid. Carriers speak Xactimate — and if your estimate doesn't speak it back, you lose. Our licensed adjusters write the estimates carriers are required to honor, and we do it in 24 hours.
Get a Free Claim Estimate →Insurance Claim Estimating vs. Retail Estimates
A retail roofing estimate is a price quote — what you charge a homeowner for the work. A roofing insurance claim estimate is a legal document submitted to an insurance carrier within the framework of a specific policy, a specific price list, and a specific estimating platform (almost always Xactimate).
Retail Estimate
- • Your pricing, your format
- • Negotiated directly with homeowner
- • No specific coding required
- • Carrier doesn't have to match it
- • Good for cash jobs, not insurance
Insurance Claim Estimate
- ✓ Xactimate line item codes
- ✓ Carrier-specific price list
- ✓ Policy-compliant documentation
- ✓ Carrier is contractually obligated to respond
- ✓ Written by licensed insurance adjusters
How Xactimate Works — And Why It Matters
Xactimate is the software platform used by nearly every insurance carrier to write and evaluate roofing claims. It contains a library of standardized line item codes (e.g., RFG/240P for 40-year dimensional shingles), updated price lists by region, and built-in waste and slope calculators.
When a contractor submits an estimate that isn't in Xactimate format, carriers treat it as a retail bid and compare it against their own (lower) internal estimate. The carrier wins. When you submit a properly coded Xactimate supplement that matches or exceeds their scope, they're bound by the same platform — and the negotiation shifts in your favor.
Correct Line Item Codes
Every item in our estimates uses the standard Xactimate code. No custom items that give carriers grounds to reject or discount.
Region-Correct Pricing
Xactimate prices vary by region and price list date. We apply the correct price list for every claim — the one carriers are required to use.
Accurate Quantities
We verify square footage, linear measurements, and unit counts from job photos, measurements, and field data. No rounding errors that cost you money.
Why Carrier Estimates Are Always Low
- ✓Staff adjusters are incentivized to minimize payouts — their performance reviews include claim cost metrics
- ✓Carrier templates exclude code-required items like drip edge, starter strip, and O&P by default
- ✓Adjusters skip line items that require documentation they assume you won't provide
- ✓Price lists used by carriers are often outdated or region-averaged lower than actual market cost
- ✓Without a formal Xactimate counter-estimate, contractors have no leverage to force a revision
What We Do Differently
Licensed Insurance Adjuster Credentials
Our estimates aren't written by estimators — they're written by former licensed independent adjusters who understand how carriers evaluate supplements and what they're required to pay.
24-Hour Turnaround
Send us the carrier's estimate and job documentation. We deliver a complete, fully coded Xactimate insurance claim estimate within 24 hours — faster than any carrier adjuster will expect.
AccuLynx Integration
We work inside your existing AccuLynx workflow. No disruption to your process — we receive job data and return completed estimates formatted for your CRM.
Carrier Follow-Up Until Paid
We submit the estimate and follow up with the carrier 2–3 times per week. We don't hand off and disappear — we stay with the claim until it's approved and you're paid.
500%+ ROI — Guaranteed
Work with us on 2 claims per week for 12 months. We guarantee six figures in additional margin — or we write you a $5,000 check. We only get paid when you do.
Get Your First Estimate Free →