Contractor Services
Professional Xactimate® estimating and property insurance appraisal support for contractors and public insurance adjusters.
Xactimate® Estimating
Accurate, Detailed Estimates That Help Move Claims and Projects Forward
Preparing a complete property damage estimate takes time, experience, and attention to detail. We provide professional Xactimate estimating services for contractors and public insurance adjusters who need clear, organized, and defensible estimates for residential and commercial property losses.
Whether you need an estimate prepared from photographs and documentation, an existing estimate reviewed, or a scope converted into Xactimate format, Allegiant can help you produce a professional estimate that accurately reflects the documented damage and necessary repairs.
Spend less time behind a computer and more time serving your clients and growing your business.
For Contractors
Xactimate Estimating for Contractors
Your estimates play an important role in project planning, insurance claim negotiations, and customer communication. Missing line items, incorrect measurements, or incomplete documentation can lead to delays, disputes, and lost revenue.
We assist contractors with detailed estimates for:
- General contracting
- Roofing
- Water mitigation
- Fire and smoke restoration
- Mold remediation
- Reconstruction
- Flooring
- Painting and drywall
- Exterior repairs
- Commercial property restoration
- Contents cleaning and manipulation
We prepare estimates based on the scope, measurements, photographs, reports, and other documentation you provide. Each estimate is organized to clearly show the work required and the applicable Xactimate line items.
Work Smarter
Let Us Handle the Estimate While You Handle the Work
Our estimating support can help your company:
- Reduce administrative workload
- Improve estimate consistency
- Identify commonly overlooked line items
- Present a clearer repair scope
- Respond to insurance estimates
- Prepare supplements and change documentation
- Increase estimating capacity during storms and high-volume periods
- Deliver professional estimates without hiring another full-time employee
For Public Insurance Adjusters
Xactimate Estimating for Public Insurance Adjusters
A detailed estimate can be one of the most important documents supporting a property insurance claim. We work with public insurance adjusters who need professional estimating assistance for residential and commercial losses.
Our estimating services can help document:
- Building damage
- Water damage
- Fire and smoke damage
- Wind and hurricane damage
- Roof damage
- Mold-related repairs
- Contents manipulation
- Cleaning and remediation
- Demolition and reconstruction
- Temporary protection
- Debris removal
- Code-related repairs
- Equipment and labor requirements
We can prepare an estimate from your field documentation or review an existing carrier estimate to help identify scope differences, omitted work, quantity discrepancies, or other items that may require further evaluation.
Our role is to provide estimating support based on the information supplied by you. You remain responsible for claim representation, coverage analysis, policy interpretation, and communications with the insurance company.
What We Deliver
Our Estimating Services
Complete Xactimate Estimates
We prepare itemized estimates using the measurements, scope, photographs, and supporting documentation provided for the project.
Estimate Reviews
We review contractor, adjuster, or insurance company estimates for potential omissions, quantity differences, scope inconsistencies, and line-item discrepancies.
Insurance Estimate Comparisons
We compare competing estimates and provide a clear breakdown of differences between the carrier’s scope and the contractor’s or public adjuster’s documented scope.
Supplements
We assist with preparing estimate supplements when additional damage, required work, or omitted line items are identified.
Sketches and Measurements
When accurate measurements, diagrams, Matterport files, floor plans, or roof reports are provided, we can incorporate the information into the estimate and prepare the appropriate Xactimate sketch.
Reconstruction Estimates
We prepare detailed repair and reconstruction estimates for properties affected by water, fire, wind, mold, impact, and other covered causes of loss.
Mitigation Estimates
We prepare estimates for emergency services, water extraction, drying equipment, containment, demolition, cleaning, antimicrobial treatment, contents manipulation, and related mitigation activities.
Commercial Estimates
We assist with estimates for offices, retail buildings, multifamily properties, hospitality facilities, warehouses, and other commercial structures.
Simple, Predictable
How the Process Works
1. Submit Your Project
Send us your scope, photographs, measurements, reports, and any existing estimates.
2. We Review the Documentation
We evaluate the materials provided and identify any additional information needed to prepare the estimate.
3. We Prepare the Estimate
Your estimate is developed in Xactimate using the applicable price list, quantities, line items, notes, and supporting documentation.
4. You Review the Draft
You have an opportunity to review the estimate and request reasonable revisions based on additional documentation or scope clarification.
5. Receive the Final Estimate
The completed estimate is delivered electronically in the agreed-upon format.
Why Allegiant
Why Work With Us?
Detailed and Organized
We focus on producing estimates that are easy to review, understand, and compare.
Experienced With Property Losses
We understand the documentation and estimating considerations involved in water, fire, wind, mold, roofing, and reconstruction projects.
Independent Estimating Support
We provide estimating services based on the documented scope and information supplied by the client.
Scalable Assistance
Use our services for a single estimate, ongoing estimating support, or additional capacity following a major storm.
Professional Communication
We keep you informed throughout the process and clearly identify missing information, assumptions, and requested revisions.
Confidential Handling
Project information, customer documentation, photographs, and claim-related materials are handled professionally and treated as confidential.
Flexible Support
Estimating Support That Scales With Your Business
Our services can be used for:
- One-time estimates
- Overflow estimating
- Catastrophe-response support
- Estimate review
- Supplement preparation
- Ongoing contractor estimating
- Ongoing public adjuster estimating
- Residential claims
- Large-loss and commercial projects
Pricing may be based on the project size, complexity, documentation, requested turnaround, and level of estimating support required.
Appraisal Services
Property Insurance Appraisal Services
Experienced representation when the amount of loss is disputed.
When there is a disagreement on the value of a covered property loss, the appraisal process may provide a way to resolve the dispute without continuing prolonged negotiations.
We provide professional property insurance appraisal services for public insurance adjusters and insureds for residential and commercial claims involving disagreements over the scope, pricing, quantities, or cost of covered repairs.
Allegiant will carefully evaluate the documented damage, inspect the property, prepare or review detailed repair estimates, and present a well-supported position throughout the appraisal process.
Your property deserves a complete and accurate evaluation.
Scope of Work
Types of Property Damage We Evaluate
Our appraisal services may be used for claims involving:
Hurricane and Wind Damage
Evaluation of roofing, exterior elevations, windows, doors, interior finishes, water intrusion, and related repair requirements.
Roof Damage
Assessment of roofing materials, underlayment, flashing, ventilation, accessories, steep charges, height charges, waste, detach-and-reset items, and related components.
Water Damage
Evaluation of demolition, drying-related repairs, drywall, insulation, cabinetry, flooring, painting, trim, and other affected finishes.
Fire and Smoke Damage
Assessment of structural repairs, demolition, cleaning, sealing, deodorization, mechanical systems, interior finishes, and damaged contents.
Mold-Related Repairs
Evaluation of documented demolition, containment-related reconstruction, cleaning, sealing, material replacement, and restoration work.
Plumbing and Appliance Leaks
Assessment of resulting damage to cabinets, flooring, drywall, insulation, trim, paint, and adjacent rooms or building components.
Impact and Falling-Object Damage
Evaluation of damage caused by trees, vehicles, debris, and other physical impacts.
Theft and Vandalism
Assessment of damaged doors, windows, fixtures, finishes, building systems, and other affected property.
Step by Step
Our Appraisal Process
1. Initial Claim Review
We review the insurance policy’s appraisal provision, available estimates, claim correspondence, photographs, reports, and other documents relevant to the amount-of-loss dispute.
2. Property Inspection
When appropriate, we inspect the property to evaluate the damaged areas, measurements, materials, repair conditions, and disputed scope.
3. Estimate and Documentation Review
We compare the insurance company’s estimate with contractor estimates, public adjuster estimates, invoices, proposals, engineering reports, and other supporting records.
4. Scope and Estimate Preparation
We prepare a detailed estimate reflecting the documented repair scope, quantities, pricing, and required construction activities.
5. Appraiser Conference
We communicate with the insurance company’s selected appraiser to identify agreements and narrow the remaining disputed items.
6. Negotiation
The appraisers exchange information, estimates, photographs, measurements, reports, and other relevant documentation in an effort to reach an agreement.
7. Umpire Submission
When the appraisers cannot agree, the unresolved items may be presented to the selected umpire in accordance with the insurance policy and applicable procedures.
8. Appraisal Award
When the members of the appraisal agree, the written appraisal award establishing the amount of loss is finalized and signed by the respective appraisers and umpire as needed.
Our Advantage
Why Choose Us as Your Appraiser?
- Property damage experience. We understand the repair and estimating issues commonly involved in residential and commercial property insurance claims.
- Detailed estimate review. We carefully evaluate scope, quantities, measurements, pricing, labor, materials, and supporting documentation.
- Professional presentation. We organize the claim information so disputed items can be clearly explained and evaluated by the other appraiser or umpire.
- Construction-focused analysis. A proper damage estimate should reflect how repairs will actually be completed, including demolition, access, sequencing, material replacement, and finishing.
- Objective evaluation. Our opinions are based on the property conditions, documentation, measurements, repair requirements, and information available for the claim.
- Clear communication. We keep clients informed about the appraisal process, disputed issues, documentation needs, and major developments.
- Residential and commercial capability. We assist with individual residential losses as well as larger and more complicated commercial claims.
Common Questions
Frequently Asked Questions
Xactimate Estimating
How quickly can an estimate be completed?
Turnaround depends on the project size, complexity, current workload, and completeness of the documentation. Expedited service may be available for an additional fee.
Can you revise an existing estimate?
Yes. We can review and revise an existing estimate when you provide the estimate, supporting documentation, and requested scope changes.
Can you compare our estimate with the insurance company’s estimate?
Yes. We can prepare a comparison that identifies differences in scope, quantities, pricing selections, and documented line items.
Do you inspect the property?
Our standard service is remote estimating based on the documents, measurements, photographs, scans, and reports provided by the client. Any available inspection services should be discussed separately.
Can you prepare estimates after hurricanes or major storms?
Yes, subject to availability. We offer overflow and catastrophe estimating support for contractors and public insurance adjusters experiencing increased claim volume.
Do you determine insurance coverage?
No. We do not make insurance coverage decisions or provide legal advice. Estimates are prepared based on the documented scope and information supplied by the client. Coverage is determined by the applicable policy and responsible parties.
Are revisions included?
Reasonable revisions based on corrections, clarifications, or additional project documentation may be included as stated in the service agreement. Major scope changes or newly discovered damage may require an additional fee.
Appraisal
Does my insurance policy include appraisal?
Many property insurance policies contain an appraisal provision, but the language and requirements vary. The policy should be reviewed carefully before appraisal is requested.
What issues can be decided in appraisal?
Appraisal commonly addresses disagreements concerning the amount of loss. Disputes involving insurance coverage, exclusions, policy interpretation, causation, or legal rights may require separate consideration.
Who selects the appraisers?
Typically, the policyholder selects one appraiser and the insurance company selects another. The policy may establish qualifications, deadlines, disclosure requirements, or other conditions for the appraisers.
What is an appraisal umpire?
An umpire is a neutral person who may assist with resolving disputed issues when the two appraisers cannot agree. The selection and role of the umpire are governed by the policy and applicable requirements.
Does appraisal guarantee additional payment?
No. The outcome depends on the property damage, insurance policy, prior payments, deductible, coverage decisions, appraisal award, and other claim-specific factors.
How long does appraisal take?
The timeline depends on the complexity of the loss, availability of the parties, completeness of the documentation, number of disputed items, cooperation between the appraisers, and whether an umpire is needed.
Will you inspect the property?
An inspection is often required depending on the type of claim, location of the property, condition of the damaged areas, and available documentation.
Can you prepare an Xactimate estimate?
Yes. When appropriate, we can prepare or review a detailed Xactimate estimate based on the documented damage, measurements, scope, photographs, and supporting information.
Can appraisal be used for a denied claim?
Appraisal is generally designed to address disputes regarding the amount of loss rather than determine whether coverage exists. A denied claim should be reviewed carefully by an appropriately qualified professional before appraisal is pursued.
Important Disclosures
Xactimate® is a registered trademark of Verisk. Allegiant Public Adjusters is an independent estimating service and is not affiliated with, sponsored by, or endorsed by Verisk.
Estimates are prepared from the information, measurements, photographs, reports, and scope documentation supplied by the client. The client is responsible for confirming field conditions, quantities, construction requirements, code requirements, material selections, and the final scope of work. Our estimating services do not constitute legal advice, engineering advice, insurance coverage analysis, claim representation, or a guarantee that an insurance company, property owner, contractor, or other party will accept or pay any estimated amount.
Appraisal rights, procedures, deadlines, appraiser qualifications, umpire requirements, and the effect of an appraisal award depend on the language of the insurance policy and applicable state law. Our appraisal services are limited to the assignment described in the applicable engagement agreement. We do not provide legal advice, engineering opinions, insurance coverage determinations, or representation outside the appraisal assignment. No result is guaranteed. An appraisal award may be affected by prior insurance payments, deductibles, policy limits, coverage decisions, depreciation, endorsements, exclusions, and other policy provisions. Policyholders with questions about insurance coverage, legal rights, policy interpretation, litigation, or appraisal enforceability should consult a qualified attorney.
Your Claim, Our Commitment.
Ready to Fight for Policy Owners
You pay for protection. Don’t settle for less than you deserve.