How Insurance Adjusters Estimate Home Damage | Claimsmate Public Adjusters

Insurance adjusters estimate home damage using programs like

XACTIMATE claimsmate.com

After plugging numbers into Xactimate, the software creates an estimate based on the cost of building supplies in the region, the size of each room, and the type of damage that occurred, among many other factors.

How do insurance adjusters estimate home damage? How do insurance adjusters calculate the cost of repairing fire, flood, and burst pipe damage? Keep reading to find out.

What Insurance Adjusters Do Insurance adjusters are salaried employees of your insurance company responsible for creating an estimate of the cost of repairing or replacing your property after a covered loss.

In most cases, however, losses are more complicated. The adjuster may need to hire an engineer to analyze the claim. The engineer may need to create a special report outlining the damage.

How Xactimate Works Most insurance adjusters use a program called Xactimate to assess damage to your property.

The adjuster might provide you with an estimate from Xactimate after a loss.

Xactimate considers soft costs associated with repairing damaged property – like the cost of an engineer or architect, the cost of city fees and permits, the cost of construction and liability insurance, and other factors involved with a project.

How Xactimate Works An Xactimate estimate tells you approximately how much it will cost to repair damage to your property. The software considers things like: The cost of building materials in your city and state The cost of labor in your region The square footage of your home The type of damage that occurred Contractor overhead Waste factors

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How Insurance Adjusters Use Xactimate to Calculate Damages When inspecting your property after a loss, an adjuster collects numbers, then plugs those numbers into Xactimate to calculate the approximate cost of repairing your property.

The adjuster may also look at the floor plan of your home, your documented evidence for damages, and other evidence you provide to quantify the loss.

Based on all of these factors, the adjuster will use Xactimate to create a thorough estimate of your loss.

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