We Speak the Insurance Company Language. Fluently.
Xactimate is the tool insurance companies use to estimate your claim. We are Level 2 certified and we know every line item they miss.
Why Xactimate Expertise Changes Your Settlement
Insurance company adjusters use Xactimate to prepare their damage estimates. The estimate determines what the insurance company pays. An adjuster who misses line items, applies incorrect unit costs, or omits required code upgrades produces an estimate that undervalues your claim. The difference between an accurate estimate and an incomplete one can be tens of thousands of dollars.
Joshua Osteen holds Level 2 Xactimate certification, the same certification level used by professional insurance adjusters. He reviews insurance company estimates line by line, identifies every missing item and incorrect cost, and prepares detailed supplemental estimates that reflect the true cost of repairs. We do not guess. We document, measure, and calculate.
Common items that are missed or undervalued in insurance company estimates include code-required upgrades (Ordinance or Law), overhead and profit for general contractor coordination, proper tear-off and disposal costs, matching requirements for undamaged adjacent materials, and the full scope of interior damage from water intrusion. We know where to look because we understand how claims are typically evaluated and where damage is commonly overlooked.
What Our Xactimate Services Include
Full Property Damage Estimates
Complete, line-item Xactimate estimates for all types of property damage including structural, roofing, interior, and contents.
Insurance Estimate Review
Line-by-line review of the insurance company Xactimate estimate to identify missing items, incorrect costs, and omitted code upgrades.
Supplemental Claim Preparation
Preparation and submission of supplemental claims for damage that was missed, undervalued, or discovered after the initial settlement.
Ordinance and Law Documentation
Documentation and estimation of code-required upgrades that must be included in the repair scope under Ordinance or Law coverage.
Overhead and Profit Analysis
Analysis and documentation of general contractor overhead and profit, which is frequently omitted from insurance company estimates on complex claims.
Matching and Uniformity Claims
Documentation of matching requirements when undamaged adjacent materials must be replaced to achieve a uniform appearance after repairs.
Why DCS for Xactimate Estimating
Level 2 Xactimate certification held by Joshua Osteen. This is the professional standard for insurance claim estimating.
Background as an insurance carrier adjuster from 2010 to 2017. We know how insurance company estimates are prepared and where they fall short.
We use current Xactimate pricing databases that reflect actual local material and labor costs.
We document every line item with photographs, measurements, and written justification.
We prepare estimates that are defensible and supported by evidence, not just numbers on a page.
We work on contingency for full public adjusting representation, or on a fee basis for standalone estimating services.
The Insurance Company Has an Expert. So Should You.
Do not let an incomplete estimate determine your settlement. Contact us for a free review of your insurance company estimate.
