Why this matters
- Carrier estimates use Xactimate line-item structure with geographic pricing
- Contractor bids use labor/material pricing that may or may not align
- Without a matching Xactimate estimate, you cannot argue line-by-line
What to build instead
- Xactimate estimate with F9 notes explaining scope decisions
- Line-items that align with the carrier's structure
- Photos cross-referenced to line-items
- Manufacturer documentation supporting matching / specifications