Services
Xactimate Estimating for Building Damages
We use Xactimate — the same industry-standard software insurance companies rely on — to build precise, line-by-line damage estimates that support the full value of your claim.
What Is Xactimate?
Xactimate is the most widely used estimating software in the property insurance industry. Developed by Verisk, it provides a standardized, line-by-line framework for calculating the cost to repair or replace damaged building components — from structural framing and roofing to flooring, drywall, cabinetry, and mechanical systems.
Insurance companies and their adjusters use Xactimate to prepare their own estimates. That means when an insurer's adjuster hands you a settlement offer, it was almost certainly generated in Xactimate. If your public adjuster isn't working in the same system, you're already at a disadvantage.
At Guardian Public Adjusters, our team is proficient in Xactimate. We prepare detailed, professionally formatted estimates that speak the same language as your insurer — making it harder for them to dispute the scope of your loss or undervalue your claim.
Why Xactimate Estimating Matters for Your Claim
Line-by-Line Accuracy
Xactimate breaks every repair down to individual line items — materials, labor, equipment, and overhead — so nothing gets missed or lumped into a vague allowance.
Locally Adjusted Pricing
The software uses geo-specific pricing databases updated regularly, ensuring your estimate reflects actual market costs in your area — not national averages that may undervalue local labor rates.
Industry-Standard Format
Because insurers use Xactimate themselves, a well-prepared Xactimate estimate is harder to dispute. It forces a line-by-line conversation rather than a blanket lowball offer.
Supports Supplements
When additional damage is discovered during repairs, we can quickly prepare Xactimate supplements to reopen the claim and pursue additional compensation.
Defensible in Appraisal or Litigation
If your claim goes to appraisal or legal proceedings, a professionally prepared Xactimate estimate provides a credible, documented foundation for your position.
Faster Negotiations
A complete, well-documented Xactimate estimate gives insurers less room to stall. It accelerates the negotiation process and helps move your claim toward resolution.
What We Estimate
Our Estimating Process
On-Site Inspection
We conduct a thorough inspection of your property, measuring and photographing every area of damage to ensure nothing is overlooked.
Scope of Loss Development
We identify every damaged component and develop a complete scope of loss — including items the insurer's adjuster may have missed or excluded.
Xactimate Estimate Preparation
Our team builds a detailed, line-by-line Xactimate estimate using current local pricing data, covering all labor, materials, and associated costs.
Submission & Negotiation
We submit the estimate to your insurer and negotiate directly on your behalf, pushing back on any line items they dispute or attempt to reduce.
Supplements as Needed
If additional damage surfaces during the repair process, we prepare and submit Xactimate supplements to recover those additional costs.
Get a Professional Xactimate Estimate for Your Claim
Don't let your insurer's estimate be the only one on the table. Guardian Public Adjusters prepares thorough, professionally documented Xactimate estimates for policyholders throughout New Jersey, Delaware, and Pennsylvania.
(856) 386-5030Xactimate® is a registered trademark of Verisk Analytics. Guardian Public Adjusters is an independent public adjusting firm and is not affiliated with Verisk or Xactimate.
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