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What Is the Xactimate Price List and Who Controls It?

Last updated October 23, 2026

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The short answer

A Standardized Pricing Database for Estimates

Xactimate is a software platform used to write detailed estimates for property repairs. Its price list is a core component, containing unit costs for thousands of line items like labor, materials, and equipment. This database helps create consistent estimates for similar work. The prices are not set by contractors or insurers, but by the software provider.

When a water damage claim is filed, an adjuster or a local water damage pro often uses Xactimate to detail the scope of work. They select items from the price list, such as 'remove drywall per square foot' or 'dry carpet per room.' This creates a baseline estimate that outlines what needs to be done and the associated costs.

Who Controls the Xactimate Price List?

The software provider Xactware controls the Xactimate price list. It is part of a larger analytics firm. This entity manages the database, conducts research, and issues updates. These updates can happen multiple times per year to reflect changes in regional material costs and labor rates. No single contractor or insurer has direct control over these base prices.

Xactware gathers data from a variety of sources to determine pricing. This includes national cost surveys, material vendors, and subcontractor input. The goal is to reflect fair and reasonable market prices. However, the final amount paid for a repair is still negotiated between your insurance company and the contractor.

How the Price List Affects Your Water Damage Claim

After water damage, your insurance adjuster will typically write an estimate using Xactimate's price list. This document becomes the starting point for your claim settlement. It lists every anticipated repair task and its calculated cost. Local water damage pros review this scope to ensure it accurately reflects the work needed in your home.

If the contractor believes the Xactimate estimate misses necessary work, they can submit a supplement. This is a formal request to add line items or adjust quantities. These negotiations are common, as the standard price list may not cover complex scenarios like hidden damage behind walls. The process aims to align the estimate with the actual repair requirements.

Key Factors That Influence Final Repair Costs

While the Xactimate list provides a baseline, your final repair cost depends on several specific factors. The extent of water damage, the type of materials affected, and local labor rates all play a role. The complexity of the job, such as accessing pipes behind finished walls, also adds to the time and materials required.

Other variables include the category of water involved and whether mold remediation is needed. The age and condition of your home can affect how materials are repaired or replaced. These unique details mean the final invoice from your contractor may differ from the initial Xactimate estimate, even when using the same price list.

  • The square footage of affected areas like drywall or flooring.
  • The type of water (clean, gray, or black) and required safety protocols.
  • Local labor market rates, which Xactimate adjusts for your ZIP code.
  • The cost of specific building materials chosen for the repair.
  • Additional services like moving furniture or running industrial air movers.
  • Any necessary permits or inspections for the repair work.

What Homeowners Should Know About Estimates

You have the right to understand the estimate for your water damage repairs. Ask your insurance adjuster or the restoration pro to walk you through the Xactimate line items. This helps you see what work is included and what materials are specified. It's a good practice to keep all estimates and supplements organized for your records.

Policies vary, and your insurer decides what is covered. The Xactimate estimate is a tool to determine that coverage amount. If you disagree with the scope or pricing, you can discuss it with your adjuster. For major disagreements, you may need to consult your policy or seek advice from a public adjuster or qualified attorney.

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Frequently asked questions

Can a contractor charge more than the Xactimate price?

Yes, a contractor can charge more if the job requires extra work not in the initial estimate. They must justify these costs to your insurance company through a supplement. The final approved amount depends on the negotiated agreement between the contractor and your insurer.

How often is the Xactimate price list updated?

Xactware typically updates its national price list several times a year. These updates adjust for changes in material costs and regional labor rates. Local price modifiers for specific areas like Chandler may also be updated to reflect current market conditions.

Do all insurance companies require Xactimate estimates?

While Xactimate is an industry standard, not every insurer requires its use. Many major insurance carriers use it for property claims. Some insurers may use other estimating software or their own internal systems. You should check with your specific adjuster about their preferred method for writing estimates.

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