The short answer: Xactimate is property-claims estimating software built by Xactware, a Verisk company. It’s the estimating platform both insurance adjusters and restoration contractors use to price repair work — both sides working in the same system is the whole point. As for cost: Verisk doesn’t publish a list price. It’s sold as a per-user subscription with tiers and add-ons, and your actual number comes from a Verisk rep. Third-party directories report starting prices anywhere from roughly $130 to $350 per user per month depending on tier — treat those as ballparks, not quotes.
What Xactimate actually is
Strip away the marketing and Xactimate is four things in one package:
- A sketch tool — draw floor plans and the software calculates your quantities.
- A price database — regional line-item pricing for labor and materials, updated monthly from contractor surveys.
- A documentation system — photos, notes, and reports attached to the estimate.
- A submission pathway — estimates formatted the way carrier claim systems accept them.
The company behind it is Xactware, founded in 1986, now part of Verisk Analytics. The product line includes the desktop estimator, Xactimate Online (browser-based), XactContents (for personal property/contents estimating), and XactRemodel (for remodeling estimates).
The part that matters: adjusters and contractors price inside the same platform. When an adjuster says “run it in Xactimate,” they’re not naming a preference — they’re naming the file format the claim system reads. A contractor submitting estimates in Xactimate is speaking the carrier’s language. A contractor submitting in anything else is asking the carrier to translate.
That’s why it became the standard. Not because it’s the easiest software, not because contractors love it — because it’s the common ground both sides of the claim stand on.
What does it cost?
Here’s the honest version: there is no public price list. Verisk sells Xactimate through its sales team, priced per user per month, and what you pay depends on which products you license and how many seats you need.
What we can tell you is the structure, which is public:
- Base tiers. There are desktop and online versions, and XactNet — the network tier that connects into carrier claim systems for assignment exchange and status updates. More connectivity costs more.
- Add-on products. XactContents (contents estimating) and XactRemodel (remodeling) license separately, on top of the base.
- Enterprise pricing. Larger organizations negotiate custom seat pricing.
Third-party software directories publish starting-price figures, but they disagree with each other — we’ve seen $130, $250, and $350 per user per month quoted as “starting at” by different sites in 2026. That spread tells you everything about how reliable third-party pricing is for this product. Use them as a rough order of magnitude; your quote comes from Verisk.
What drives your actual price
- Seat count. Per-user licensing, so a two-person shop and a twenty-person shop are in different worlds.
- Which products. Base estimator vs. online vs. XactNet vs. add-ons stack up.
- Who you are. Carriers, large contractors, and independents don’t all pay the same — volume pricing exists.
How to get a real number
Contact Verisk/Xactware sales directly. Have your seat count and which products you need ready — that’s what the quote is built from. And ask specifically what’s included in the base vs. what requires an add-on license; that’s where surprise costs hide.
Where this comes from
- From Xactimate (official): Xactware/Verisk product structure — Xactimate desktop and Online, XactContents, XactRemodel, XactNet; per-user subscription licensing; Xactware founded 1986, part of Verisk Analytics. (Vendor product pages and documentation.)
- From the field (third-party reports, not official): the $130–$350/month starting-price range comes from software directories (ITQlick, Capterra) reporting in 2026 — they disagree with each other, which is itself the point. Treat as ballpark only.
- Related on Restoration Intel: How Do I Write an Estimate in Xactimate? — the 4-step process once you’re licensed.
Pricing changes and this page will age. The structure — subscription, per-user, tiers plus add-ons, quote from Verisk — is the durable part. The numbers are always “call and ask.”