Florida regional variation factors
South Florida (Miami, Broward, Palm Beach)
- Highest labor costs
- Tropical material premiums
- HVHZ code-upgrade costs
- Supply-chain coastal premium
Treasure Coast / Space Coast
- Middle tier pricing
- Coastal material considerations
- Limited code-upgrade vs. HVHZ
Gulf Coast
- Variable by market
- Ft Myers / Naples upscale
- Smaller markets reduced
Central Florida
- Mid-tier to lower-tier
- Inland materials standard
- Limited code premium
Panhandle
- Lowest-tier pricing typically
- Rural labor markets
- Code differences from HVHZ
Florida Keys
- Highest tier (logistics)
- Severe HVHZ requirements
- Transportation premiums
How Xactimate handles regions
- Zip-specific price lists
- Quarterly updates
- Survey-based
- May not capture rapid shifts
When regional pricing matters
- Adjuster applies wrong zip code
- Urban/rural adjustment missing
- Post-event regional surge ignored
Documentation
- Zip-specific Xactimate for loss zip
- Local contractor quotes
- Supplier pricing in market
- Regional survey data