Xactimate Online Estimate Writing
Ready Adjuster Xactimate estimate writing services for Insurance claims, contractor supplements, new construction, remodeling, water damage, or restoration projects. We can identify missing Xactimate line items to accurately rebuild your property after a claim. Our adjusters have extensive construction knowledge and decades of insurance adjusting experience. This experience covers minor claims with losses below the deductible, as well as large commercial and industrial rebuilds.
Insurance Estimate Writer
Ready Adjuster can review your insurance claim estimate along with photos of the damage and alert you to missing or incomplete line items that may not be included in your initial estimate. Keep in mind that your insurance claim is an ongoing process, and you or your contractor may discover additional damage as the restoration progresses. This may require you to submit a supplemental claim request to your insurance company documenting that additional covered loss. The easiest way to do this is to provide photos of the additional damage along with the estimated repair cost.
Wildfire Total Loss Home Rebuild Estimates
About 75% of California’s most destructive wildfires have occurred since 2015, leaving homeowners devastated by the loss and destruction and insurance carriers with excess large-loss claim volume. The fire season has expanded in California, and rapid development without fire-smart landscaping has enabled wildfires to spread more easily to commercial and residential structures. Losing a home in a wildfire is a life-changing and destructive event; the last thing on a person’s mind is negotiating with an insurance carrier on the replacement cost to rebuild your home.
Complete Home Rebuild Estimates for Appraisal or Insurance Claims
Often times a homeowner will get a cookie cutter estimate during one of the most devastating experiences one could face, losing everything to a fire. If you received an estimate from an insurance claim that does not accurately reflect the damages for an event resulting in a total loss we can create and estimate for the to completely rebuilding your home from the ground up using interior photos you have and/or blueprints, home appraisal documents, real estate listings, etc. In situations where insurance carriers have an mass influx of total losses they may hire additional staff to handle those losses and will sometimes use a blanket template or macro for estimating a loss in order to settle claims quicker. This results in faster payments but can also under estimate the severity of the loss or may place covered damages under the wrong line of coverage. This can cause your estimate to exceed limits under you Dwelling coverage when there may be indemnity available under a separate coverage such as Other Structures. When a policy holder is trying to rebuild their life they can easily overlook this which in turn can mean tens of thousands of dollars in a supplemental claim payment. Let us create a line by line estimate for the replacement cost of your dwelling to ensure you are completely indemnified for your covered loss.
- Complete Interior Sketch a complete recreation of the floorplan of your home, no approximation based on square footage.
- Complete Roof Sketch a complete Ridge & Slope report that accurately reflects the replacement of your entire roofing system.
- Full Exterior Scope arial imagery can provide exterior dimensions of your home so we can estimate to rebuild back to the exact exterior present on your home prior to any loss.
- Full Interior Scope get a detailed line by line Xactimate estimate for everything in your home from outlet covers, to TV mounts to custom cabinetry and premium flooring options that existed.Â
- Demolition some insurance policies extend additional coverage limits when you reach the Dwelling limit, ensure that this demolitions and site prep are accurately reflected according to local regulations under the appropriate line of coverage.
- Foundation don’t settle for a template, get an accurate estimate for the foundation that existed, from a crawlspace with appropriate moisture protection and required code upgrades that should be included with an Ordinance and law endorsement.
- Framing get material cost that reflect the inflationary environment you are rebuilding in.
- Electrical another potential area where you may need additional scope to meet current ICC building codes.
- Landscaping most policies limit the amount for tree debris removal and landscaping without an endorsement. We can make sure landscaping and hardscaping are placed under the appropriate lines of coverage if needed.
- Full Line Item Detail Our rebuild estimates generally exceed over a 1,000 line items with the appropriate F9 notes when needed to explain the scope estimated. We also also choose the appropriate price list for your zip code and use the quality descriptor that is most relevant to your claim instead of a lower cost contractor grade used in many carrier profiles. Contact us to see an example estimate which on average is 20% higher than carrier estimates.
Most Destructive California Wildfires in Recent History
- Camp Fire in November 2018 affecting Butte County
- Palisades Fire in January 2025 affecting Los Angeles County
- Tubbs Fire in October 2017 affecting Napa and Sonoma Counties
- North Complex Wildfire in August 2020 affecting Butte, Plumas, and Yuba Counties
- Glass Fire in September 2020 affecting Napa and Sonoma Counties
Other Recent California Wildfires
- Norte Fire in Orange County affecting San Clemente started in October 16, 2026.
Call (469) 285-7515 To Discuss Your Pending Claim
This experience ranges from large national carriers serving the vast majority of the continental United States to state-sanctioned insurers of last resort in high-risk areas. Our experience even includes custom construction, large loss
estimates and high-net-worth carriers. We’ve worked in the field and at the desk handling insurance supplements from contractors, so we know what documentation is neededÂ
- Are you overwhelmed as an adjuster in the field or just looking to close more claims and increase your earnings on a current assignment?
- Are you a contractor who prefers to hand off the estimate writing process or doesn’t have time to learn, maintain, and update Xactimate X1 to the latest carrier guidelines?
- Maybe you’re tired of losing money due to missed line items in your estimates, or prefer to increase revenue on insurance jobs by supplementing additional work that your customer’s policy may cover.
- Are you a homeowner facing a loss and need help accurately documenting it?
Estimating Service Inquiry
ReadyAdjuster has written half a billion in Xactimate estimates through claims adjusting, contractor estimating, and reconciliation supplements for carriers and contractors. We reduce overhead and costs by eliminating the administrative burden of in-house estimating. Let our professional team of estimate writers handle your estimating needs.
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Xactimate Estimate Writing Services
Water Mitigation & Remediation Estimating
Save time with express turnarounds on water-mitigation estimates for Slab Leaks, Pipe Bursts, Supply Line and Appliance Leaks, Backup Up Sewer & Drain, Fire, Wind Damage, Roof Leaks, Flooding, Mold Remediation, and more. We can handle your loss as a quick, behind-the-scenes white-label solution for your restoration company. Increase payouts, reduce administrative work, and get consulted on insurance claims.
X1 Xactimate Supplemental Estimate Service Loss Types
We can handle all loss types, including some of the most common perils and damages that result in homeowners’ and commercial building claims, contractor estimates, and insurance supplements, such as:
- Windstorm & Hail
- Hurricane Damage
- Wildfire Damage
- Insurance Claims
- Crime Scene / Bio-Hazard
- Contractor Supplements
- Estimate Writing For Public Adjusters
- Fire & Smoke Damage
- Lightning Claims
- Vandalism Estimates
- Pack Out/ Additional Living Expenses
- Personal Property Damage
- Backup Sewer & Drain
- Flood
- Large Loss
- Custom Homes & New Construction
- Mold Remediation
- Asbestos Removal & Remediation
- Pipe Bursts & Freeze Claims
- Ice Dams
- Snow Collapse
- Condominium Unit Owner Policies
- Business Interruption & Loss of Rents
Roof Replacement, Roof Supplements & Wind Damage Estimates
Ensure the correct bundles and waste are applied to your roof estimates and insurance supplements. We take your scope notes, sketches, Google Earth, Hover, or EagleView reports and turn them into high-quality contractor estimates, with your business information and logo.
Roofing System Types:
- Slate
- Asphalt Shingles – 3 Tab, Architectural, LaminatedÂ
- Tile
- Wood Shingles/Shakes
- Metal
- Modified Bitumen (Mod Bit)
- EPDM Rubber RoofÂ
- Built-Up Roofing Systems
- Elastomeric
We include all roofing materials and shingle types. Ice and Water Shield, drip edge, fascia metals, siding, gutters, solar panels, satellite dishes, appropriate steep and high charges, insulation, any necessary framing, chimneys, roof vents, ridge vents, skylights, access issues, ITEL reports, code upgrades, permit fees, and any additional scope needed for an initial estimate or insurance supplement.
Estimate Writing Services Include
- F9 Notes to justify line items for carrier approval
- 6 Revision Cycles
- 3 Day Turnaround, 1 Day for revisions – Quicker times available for an additional cost
- Minimum cost is $325.00. Pricing is based on scope type, total estimated cost, and the type of documentation provided.
- A dedicated licensed insurance adjuster handling your estimate from start to finish in your time zone who understands the carrier processes and industry practices for insurance estimating.Â
Xactimate Estimate Writer for Homeowners, Public Adjusters, Appraisers, and Contractors.
Our Xactimate estimate writers can assist with advising on the required documentation, line-item details, Xactimate action items, scope of work, paid-when-incurred items, permit fees, overhead & profit, labor minimums, and how to describe the work to receive payment for covered damages. A comp vendor is likely a contractor to estimate the scope of work to the pre-loss condition. We include 6 estimate revisions. If estimate revisions exceed $20,000 in total claim amount, we will invoice the difference. We review the carrier estimate at no cost. Generally, your carrier will want photo documentation to support scope differences, material invoices to support pricing differences, and subcontractor estimates to support labor differences. Your subcontractors are allowed to speak with the adjuster to explain labor differences, and if you have any original invoices, for example, from when you had the cabinets installed, that can help establish like-kind, quality pre-loss replacement. For materials that can’t be matched, the carrier may take a sample and use a service called ITEL to check whether the carpet, tile, roofing tile, etc., is still available elsewhere. We are NOT a public adjuster.
We can also import your Hover. Roofr or EagleView reports, if needed.
Insurance Supplements, Insurance Claims, Remodeling Work, Smoke & Fire Damage, Water and Mold Claims, Weather-Related Losses, Backup Sewer and Drain, Sump Pump failures – we can handle all types of restoration estimates.
Average increase of 20 – 40 percent in gross revenue from insurance jobs. We identify issues that new or overworked adjusters often overlook when working for large mid-market carriers struggling to hire and retain experienced adjusters.
Insurance Supplement Writing Requirements:
None of the following are required, but they help create more accurate estimates in a shorter timeframe:
Photo Report
Room overviews
Floorplan Sketch
Close-up of damage
Damage overview
Exterior photos
Elevation overviews
Detailed and legible sketch of the interior that includes measurements
Mitigation Information
Annotation of damages
Detailed scope of work
Upload images to Google Drive, SMS, or iCloud
Bonus: Pre-loss photos of the affected areas
Total loss and Rebuilds – Blueprints, Floorplans, Architectural Plans