How pricing gets out of date
- Xactimate quarterly updates not applied
- Regional price list cached and reused
- Loss-zip-code pricing not matched to actual zip
- Post-catastrophe surge pricing ignored
Current-pricing evidence
- Current Xactimate for loss zip code
- Contractor quotes in the market
- Supplier invoices for specific materials
- Labor market data (post-hurricane premiums are real)
Post-catastrophe pricing
After major events, labor and materials often surge:
- Roofers booked 6 months out
- Materials on backorder
- Mobilization costs up
- Surge pricing reasonable and recoverable
Document the market conditions with contractor statements and supplier quotes.
How to challenge
- Request current Xactimate version used
- Compare to current quarterly update
- Submit contractor quotes for specific items
- Cite published price surveys for major events