Xactimate Cost in 2026: What Roofers Actually Pay Verisk
Xactimate is the software adjusters use, so most insurance work runs through it — which is why roofers pay for it whether they want to or not. Here is the published price, what it includes, and when you can reasonably skip it.
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Verisk's published contractor pricing is $1,575 for six months or $2,390 per year for Xactimate Standard (one platform: desktop, online or mobile). Xactimate Pro across all three platforms is priced through their portal. If you do insurance restoration, budget it as a fixed cost alongside your CRM — it is not included in any CRM subscription.
Published pricing
| Product | Term | Price | Notes |
|---|---|---|---|
| Xactimate Standard | 6 months | $1,575 | One platform — desktop, online or mobile |
| Xactimate Standard | 12 months | $2,390 | Same scope, annual term |
| Xactimate Pro | via portal | quote | All three platforms together |
✓ Vendor-published · 4 November 2026 Prices are per user. Confirm on Verisk's own contractor pricing page — this is a page we re-check monthly because it moves.
Why roofers pay for software they resent
Adjusters produce Xactimate scopes. If you estimate in a different format, every claim becomes a translation exercise: your line items get re-priced, your quantities get argued, and your supplement arrives later than it should. Xactimate's price database and its acceptance by insurers is the product — not the interface, which most roofers describe with some force.
Do you actually need it?
| Your situation | Verdict | Why |
|---|---|---|
| Mostly insurance restoration | Yes | Adjuster compatibility is non-negotiable |
| Retail re-roofs and repairs | No | Homeowners don't ask for Xactimate scopes |
| Mixed, but claims are large commercial | Usually yes | Line-item scrutiny is higher on big claims |
| Mixed, small claims only | Often no | Adjuster will produce the scope; you price from theirs |
| You sub out claim work | No | Your restoration partner carries it |
Cheaper ways to handle estimates without it
- Estimate from the adjuster's scope. Common for smaller claims: the adjuster produces the Xactimate report, you price your work from their line items in a lighter tool.
- Measurement plus proposal tools like Roofr or Hover — fast, professional, and adequate for retail work.
- A spreadsheet with your own price book — unglamorous, and fine for a one-truck retail operation.
- A part-time estimator who brings their own licence for claim-heavy months.
How to keep the cost down
- Buy the six-month term if your work is seasonal — storm season plus a couple of months, not twelve.
- One platform, not three. Standard on desktop is enough for most roofers; Pro across desktop, online and mobile rarely pays for itself below a dedicated estimating team.
- One licence, not one per crew member. Estimates are produced by one person; the crew needs job data, not Xactimate.
- Pair it with the cheapest CRM that does the rest. There is no reason to buy an enterprise CRM to justify an estimating licence.
FAQ
Is Xactimate included in any roofing CRM?
No. It is a Verisk subscription, priced separately. AccuLynx offers ESX import from Xactimate, which is an integration, not a licence. Any vendor implying Xactimate is included is worth double-checking.
Can I share a licence?
Licences are per user. Sharing credentials breaks the terms and risks your access mid-claim. If cost is the constraint, buy fewer licences and have one person produce estimates.
Is there a free alternative for insurance work?
Not one insurers accept as standard. For retail work there are free tiers (see free roofing software), but claims are a different problem.
Does Xactimate work on a Mac?
There is an online version, which is the practical answer for Mac users — check which platform your licence covers before buying, because that is exactly what Standard's single-platform limit refers to.