Xactimate Manipulation

Hey Guys,

I keep running into adjusters stating that their company policy (not insured property insurance policy) states which line items they can approve on xactimate. Now, I know I am not bound to their company policy and my company’s policy states using the properly described line item. Things like starter actual starter strip and not using shingles. Actually detaching the AC unit and not lifting it. Actual ridge cap and not cutting shingles, etc.

How are others overcoming this? I don’t want to demand desk appraisal on every damn claim to settle this nonsense. Doesn’t this violate regulation on insurance price fixing?

Thank you in advance.

The insurance company has their own guidelines on which XM8 line items the adjuster can use. Varies from carrier to carrier. There is some wiggle room depending on the situation. If you are talking about the starters and they say its included in the waste factor-that is what it is. Same with ridge (at least that’s the argument.) If the adjuster uses unapproved line items-they get reviewed as well and get graded accordingly.

Thanks for the reply! That’s my point I guess. What does that have to do with me and my company? The guidelines are price fixing by using the wrong line item intentionally. Like labor hours instead of a D&R, field shingles for ridge, and starter, etc. I’m not in their “contractor network” so their estimating guidelines have not been agreed upon by my independent company.

There has to be some way to correct this nonsense.


I just came across your post regarding Xactimate manipulation. Do not get caught up in the line item game or the conditional parameters of approval vs. not being approved. There are no defined approval powers within an insurance policy. The authority of insurance representatives is limited to deniability of coverage being within the governing language of the policy. This deniability is confined to specific areas that are not disputed. Causation (peril), date of causation, scope of damages. We never get into discussion regarding starter strip, H&R, etc… during your assessments, take photographs of the individual components existing within the current system. That is your identifiable evidence under the contractual obligation to restore the Insured to a position reflective of pre-loss. The rule of indemnification dictates those components, at a minimum, be incorporated within the system after a loss is sustained to reflect like, kind and quality construction. You can also identify if 3-tab shingles were used for H&R versus specialty H&R shingles by observing for cut indicators on the existing H&R. If the existing H&R is 3-tab cut shingles, add in the labor to cut those 3-tabs to create the H&R cap shingles.