Xactimate is the software insurers use to price repairs. It uses codes like ‘WTR’ (Water Extraction) or ‘DRY’ (Drywall). However, adjusters often omit critical line items like ‘Content Manipulation’ or ‘After Hours’ fees. Understanding your scope ensures you aren’t underpaid. We use the same software to fight for a fair supplement.
Navigating an insurance claim can feel like reading a foreign language. When you receive your estimate, you are looking at a standardized pricing model used by 90% of the insurance industry. However, the software is only as good as the person inputting the data.
“If it’s not on the line item, it’s not in the budget. We make sure everything is on the line item.”
Adjusters are under pressure to close files quickly, which often leads to “standardized” scopes that miss the nuances of your specific property damage. Below is a breakdown of common codes and what is frequently left out.
| Code | Meaning | Common Omission |
|---|---|---|
| WTR | Water Extraction | Anti-microbial application |
| DRY | Drywall | Insulation removal behind studs |
| PNT | Paint | Primer/Sealer coats |
A “supplement” is a secondary estimate submitted to the insurance company that covers items missed in the initial walkthrough. Because water damage restoration cost in Houston can vary based on local labor rates and material availability, the default Xactimate pricing may not reflect the actual cost of a quality repair.
Yes, this is called a ‘supplement’ if the scope was incomplete. It is a standard part of the restoration process to ensure all necessary repairs are funded.
Because we included the actual labor required, not just the default average. We account for every step of the restoration to ensure your home is returned to pre-loss condition.
We speak the language of insurance so you get paid what you deserve.
