Insurance restoration
Xactimate estimates that carriers can read and adjusters struggle to cut down
A restoration estimate is only worth what the carrier agrees to pay. We build Xactimate estimates from your photos, measurements and field notes, using the correct price list for the loss zip code and month, a clean sketch, and line items that match the damage documented. Water, fire, wind, hail and storm losses are written to the carrier or TPA format, with supplements ready when hidden damage appears.
- 5.0 Google
- 4.9 Trustpilot
- 4.9 Clutch
typical turnaround on residential water and roof losses
24–48 hours
Typical turnaround
01 · 02 · 06 · 07
CSI divisions
XLSX · PDF
You receive
Scope of takeoff
What the service covers
Each loss file is scoped, priced and packaged for submission, then maintained through supplements until the claim closes.
- 01Sketch and room measurementsFloor plans, wall heights, openings, stairs and roof facets drawn from your field dimensions or aerial reportsFloor plans, wall heights, openings, stairs and roof facets drawn from your field dimensions or aerial reportsEAXactimate sketch with room labeling
- 02Water mitigation line itemsExtraction, containment, antimicrobial, air movers, dehumidifiers and moisture monitoring by category and classExtraction, containment, antimicrobial, air movers, dehumidifiers and moisture monitoring by category and classHRSDrying logs and moisture readings
- 03Fire and smoke restorationSoot removal, deodorization, sealing, ceiling and wall replacement and content cleaningSoot removal, deodorization, sealing, ceiling and wall replacement and content cleaningSFPhoto log and room-by-room scope
- 04Wind and hail roof scopeTear-off, underlayment, shingles, flashings, ridge, drip edge, vents and steep or high chargesTear-off, underlayment, shingles, flashings, ridge, drip edge, vents and steep or high chargesSFRoof diagram and pitch measurements
- 05Rebuild finishesDrywall, insulation, trim, cabinets, flooring, paint and fixtures at replacement costDrywall, insulation, trim, cabinets, flooring, paint and fixtures at replacement costSFLine items from current price list
- 06Overhead and profitTen and ten application where three or more trades are involved, with justification narrativeTen and ten application where three or more trades are involved, with justification narrativeLSGeneral contractor coordination test
- 07Depreciation and ACVRCV, depreciation by item age and recoverable holdback tracking for payment stagesRCV, depreciation by item age and recoverable holdback tracking for payment stagesLSPolicy terms and item condition
- 08Supplement packagesHidden damage, code upgrades, additional drying days and missed line items with photo supportHidden damage, code upgrades, additional drying days and missed line items with photo supportPGOriginal estimate versus revised scope
- 09Contents and pack-outInventory lists, pack-out labor, storage and cleaning by room and categoryInventory lists, pack-out labor, storage and cleaning by room and categoryEAContents inventory with photos
- 10Photo report and narrativeLabeled photos, moisture maps and a damage narrative aligned to estimate line itemsLabeled photos, moisture maps and a damage narrative aligned to estimate line itemsPGField photos tagged to rooms
- 11Carrier and TPA formattingEstimate export, required forms, invoices and file naming per carrier program requirementsEstimate export, required forms, invoices and file naming per carrier program requirementsLSProgram guidelines checklist
- 12Reinspection responseWritten replies to adjuster revisions, line-by-line dispute notes and revised totalsWritten replies to adjuster revisions, line-by-line dispute notes and revised totalsHRSRevision comparison report
Deliverables
What's included in your estimate package
Every deliverable is formatted so it can go straight into a proposal, a purchase order or an owner report.
Estimate workbook
Quantities, unit costs, labor hours and totals organized by CSI division, with subtotals, markups and a bid summary tab.
Marked-up plans
Color-coded takeoff drawings showing exactly where every measured quantity came from.
Material procurement list
Consolidated material quantities with waste factors applied, ready to send to suppliers for quotes.
Labor hours by task
Crew-based labor hours and productivity rates so you can check the schedule against the estimate.
Assumptions and exclusions log
Every clarification, allowance and exclusion documented so your proposal scope is defensible.
Bid summary sheet
A proposal-ready one-page summary with overhead, profit, bonds and contingency applied.
What type of xactimate estimating can you get?
Match the estimate to where your project is. Every option is priced as a flat fee before work begins.
Emergency mitigation estimate
Within 8% of final mitigation invoiceSame day to 12 hours
Drying, extraction and containment scope written fast so work authorization and carrier notice can move on the same day.
Best for: Water and fire mitigation contractors
Full rebuild estimate
Matches carrier scope within 5% on documented losses24 to 48 hours
Room-by-room reconstruction with finishes, trade coordination, overhead and profit, and recoverable depreciation tracked.
Best for: General contractors and restoration firms
Roof claim estimate
Within 3% of measured roof area24 hours
Wind and hail scope with facet measurements, shingle line items, flashings and code-required items supported by photos.
Best for: Roofers and storm restoration crews
Supplement package
Line items tied to documented evidence24 hours
Itemized additional scope found after demolition, with revised sketch, justification and photo documentation.
Best for: Contractors disputing underpaid claims
Public adjuster estimate
Itemized to price list by zip and month48 to 72 hours
Policyholder-side estimate prepared independently from the carrier scope, with replacement cost and contents valuations.
Best for: Public adjusters and claim consultants
Process
How our estimating process works
Four steps from upload to a bid-ready estimate, with a senior estimator signing off before anything leaves our desk.
- 1
Upload plans and scope
Send your drawings, specifications and bid invitation through the secure upload form. We confirm scope, deadline and a fixed price within two business hours.
- 2
Digital quantity takeoff
Estimators measure every item from calibrated plans in Bluebeam and PlanSwift, color-coding each layer so quantities can be traced back to the drawing.
- 3
Pricing and labor
Quantities are priced with location-adjusted material costs, crew productivity rates and equipment, then marked up to your overhead and profit targets.
- 4
Senior review and delivery
A second estimator audits quantities and pricing, documents assumptions and exclusions, and delivers your Excel workbook, PDF summary and marked-up plans.
CSI divisions
CSI MasterFormat divisions we cover
Estimates are organized by division so they drop straight into your cost codes and schedule of values.
Highlighted divisions are the primary scope on this page.
Why LEEDS
Why contractors switch to LEEDS
An estimating desk that behaves like an extension of your team, not a software subscription.
- Price list selected by the loss zip code and month of loss, so line items match what the carrier's system uses.
- Photo evidence attached to every contested item, including steep charges, extra layers, code upgrades and overhead and profit.
- Sketches built to scale from your dimensions, with room names and wall heights that survive carrier reinspection.
- Mitigation and rebuild kept in separate estimates so drying invoices are not delayed by reconstruction scoping.
- Supplements written against the original estimate version, showing what changed, why and what evidence supports it.
- Estimates delivered in carrier, TPA or program-specific formats rather than a generic export you must rework.
Reviews
What contractors say after their first bid with us
What general contractors, subcontractors and developers say after bidding with our numbers.
“The conduit and wire takeoff matched what my foreman pulled from the drawings almost to the foot. Labor hours were realistic for our crews. It is the first outsourced estimate I did not have to redo.”
Dana Okafor
Owner, Okafor Electric · Houston, TX
Overview
How an Xactimate estimate is built
Xactimate is the estimating platform most property carriers and third-party administrators use to scope and price insured losses. An estimate begins with a sketch of the affected structure, then adds line items by room and trade, such as water extraction, drying equipment days, drywall replacement, insulation, flooring, paint, roofing squares and contents manipulation. Each line pulls its unit price from the price list for the loss location and the month of loss.
The quality of the estimate depends on how closely line items match the evidence. Carriers push back on vague descriptions, duplicate labor, and missing justification for items such as steep or high charges, tear-off layers, code upgrades and overhead and profit. We pair every contested line with a photo reference or note so your adjuster conversation starts from documentation, not argument.
We separate mitigation from rebuild, track depreciation as recoverable or non-recoverable, and report replacement cost value against actual cash value so homeowners and contractors see exactly what is paid now and what is released at completion. When demolition reveals additional damage, we write the supplement with the original estimate version and the new evidence side by side.
FAQ
Xactimate Estimating FAQs
Straight answers on scope, turnaround, pricing and deliverables.
Which price list do you use for an Xactimate estimate?
We use the price list that matches the loss location and the month of loss, since that is what most carriers and TPAs apply when they review. If your claim sits on a different list or a mid-year price update, tell us at intake and we will align the estimate accordingly.
Can you write supplements for claims we already submitted?
Yes. Send the carrier estimate, your original estimate if you have one, and photos of the additional damage. We write the supplement as a revision showing added or changed line items, with the evidence and a short narrative for each so the adjuster can review quickly.
Do you handle both mitigation and reconstruction scopes?
We do both, and we normally keep them as separate estimates. Mitigation covers extraction, drying equipment and monitoring, while reconstruction covers demolition, rebuild and finishes. Separating them lets mitigation invoices be paid on their own timeline and reduces overlap disputes.
What information do you need from my crew in the field?
Labeled photos, room dimensions or an aerial roof report, wall heights, moisture readings for water losses, and notes about materials such as flooring type or shingle layers. A rough sketch or notes on the loss date and policy depreciation terms help us finish faster.
Do you write estimates for public adjusters and policyholders?
Yes. We prepare estimates independent of the carrier scope for public adjusters, attorneys and policyholders, including replacement cost valuations and contents schedules. We do not negotiate with carriers or give legal opinions on coverage, but the estimate gives you a documented basis for the discussion.
How quickly can you turn around a storm-season backlog?
Typical residential files go out within 24 hours of complete photos and measurements. During hail and hurricane surges we assign additional estimators so multiple files move in parallel. Tell us your expected volume ahead of the season and we will reserve capacity for you.
Related
Related estimating services
Most projects need more than one trade. Bundle them into a single upload and we price the whole scope together.
Ready for a xactimate estimating quote?
Upload your plans and get a fixed quote within 2 business hours. Most estimates are delivered in 24–48 hours.