Two pricing languages on every claim
Carriers price claims in Xactimate. Contractors price jobs from supplier invoices, labor markets, and subcontractor bids. When those numbers diverge, margin disappears — even if line items look complete on paper.
Successful supplements separate quantity disputes from unit price disputes. Quantity is proven with photos and scope notes; unit price is proven with invoices, regional benchmarks, and clear trade justification.
When to challenge Xactimate unit pricing
- Material SKUs changed or supply chain shifted since the estimate date.
- Specialty trades (electrical, HVAC, slate) require vendor quotes above price list.
- Large-loss equipment or monitoring rates exceed default allowances.
- Code-driven upgrades carry material premiums not in the macro.
How Claims Ninja handles pricing gaps
We rebuild or amend estimates with defensible unit pricing and tie each change to documentation the adjuster can approve. Our goal is accurate recovery — not inflated scope — because sustainable partnerships depend on credibility with carriers.