How Xactimate pricing works
Regional price lists
- Updated quarterly by CoreLogic
- Survey-based: actual labor and material costs
- Separate lists for each zip code area
- Includes adjustments for market conditions
Line-item pricing
- Each item has unit price (per sqft, LF, each)
- Material + labor combined typically
- Equipment / overhead included for some items
Supplements
- Overhead and profit ("10-and-10")
- Permits
- General conditions for larger jobs
- Temporary facilities
Pricing manipulation points
- Price list version (using outdated)
- Zip code used (using wrong zip)
- Unit selection (basic vs. specialty item)
- Manual override (below list price)
- Overhead/profit omission
Auditing the pricing
- Request the price list date
- Verify zip code matches loss
- Compare to current list
- Check each line item
- Verify supplement application
Florida post-catastrophe pricing
After major events:
- Labor premium (skilled trades booked)
- Material surcharges
- Mobilization costs
- Xactimate updates may lag
Real market often exceeds Xactimate; contractor quotes establish the floor.