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If you need to file an insurance claim, the first thing you should do is contact your insurance agent or company. They will be able to guide you through the process and answer any questions you have.

Next, you will need to gather all of the necessary documentation. This may include a police report, medical bills, repair estimates, and more. Once you have everything in order, you can submit your claim.

The insurance company will then review your claim and determine if it is valid. If it is, they will start the process of reimbursing you for your losses. This can take some time, so it is important to be patient.

If you have any problems with your claim or are not satisfied with the outcome, you have the right to provide an alternative estimate for damage repairs. You do not have to accept what the insurance company offers you!

How to document your house damaged

If your home or property has been damaged, it’s important to document the damage as soon as possible. 

Photographs or videos can be helpful in documenting the extent of the damage, and can also be used to support an insurance claim. Make sure to take pictures or videos from a variety of angles, and include close-ups as well as wide shots. 

If there is any structural damage, be sure to document that as well. It can also be helpful to make a list of all the damaged items, including a description of each item and the estimated value. Once you have everything documented, you can begin the process of making repairs and getting your life back to normal.

If you have questions, reach out to the team at Xactaquote. We know how insurance claims work. We can guide you to the right path.

Roofing contractors are in high demand, so finding the right one for your home can be tricky. Here are some things to consider when choosing a roofer.

Ask Around

If you’re looking for a roofing contractor, ask friends, family members, neighbors, and co-workers who have had work done by a particular company. They’ll likely recommend a good contractor based on their own experiences with the company.

The average price for a new roof ranges from $3,000 to $7,500 depending on the size of the home and the type of roof. A typical asphalt shingle roof costs between $2,500 and $4,000, while metal roofs cost between $6,000 and $10,000. Most people choose to hire a professional roofer because they want to ensure that the job gets done right the first time. However, if you decide to DIY, be sure to get estimates from several contractors before making a final decision.

Check Out Their Reviews Online

You should also check out the company’s website and see what kind of services they offer. A reputable company will provide detailed pricing estimates before any work begins.
Roofing companies typically charge anywhere from $1,000 to $10,000 per square foot. The average cost of a new roof is around $8,000. If you’re looking to replace your current shingle roof, expect to pay between $2,500 and $6,000 per square foot depending on the type of material used.

Find Out What They Charge Per Square Foot.

You should also ask about their warranty and guarantee. A good roofer will offer both. Ask whether they provide a written estimate before starting work. Also, find out how much they charge per square foot and how often they do jobs like yours.

Roofing companies typically charge between $50-$100 per square foot for labor. The average cost of a new roof is around $6,000. If you want to save some cash, look into hiring a contractor who does roof repairs instead of replacing the entire thing. Repairs can be done at a lower price than a new roof.

Don’t Forget to Ask About Warranties.

If you’re looking for a new roof, make sure you ask about the warranty. It’s not uncommon for roofers to try to upsell you on additional services, such as flashing and gutters, when you’re just trying to replace an old roof. Make sure you understand what’s included in the price.

The National Roof Contractors Association (NRCA) estimates that the average cost of replacing a residential roof is $4,000-$6,000. That includes labor costs, materials, and other expenses. However, if you want to be covered under your home insurance policy, you’ll need to get a written estimate from at least three different contractors before making a decision. You should also check with your local building department to see whether there are any requirements for getting a permit.

Roofing calculations are simple enough that anyone can do them, but there are many variables that can affect the final price tag. The type of material used, the size of the project, and the location all play a role in determining the final cost.

Determine the type of roof you need.

There are three main types of roofs: flat, pitched, and gabled. Flat roofs are typically found on commercial buildings, while pitched roofs are common on homes. Gabled roofs are usually found on barns and other farm structures.

The most important thing to know before calculating the cost of a new roof is what kind of roof you want. Roofing materials come at different prices depending on the type of roof you choose. For example, asphalt shingles are cheaper than slate tiles, which are much more expensive than clay tiles.

Find out what materials you’ll use.

You will need to calculate the total square footage of your roof. This includes the area covered by the roof itself as well as any additional space needed for vents, skylights, etc. Next, multiply the number of feet by the length of each foot (in inches) to determine the total square footage. Then divide the total square footage by the square footage of one square foot to find the number of squares per square foot. Finally, multiply the number of squares per sq. ft. by the price per square foot to arrive at the total cost of the roof.

Estimate the size of the project.

To estimate the size of the project, first figure out the total square footage of the roof. Multiply the number of feet by length of each foot (inches). Add up the numbers to determine the total square feet. Divide the total square footage by 1 square foot to find the average square footage of one square. Multiply the average square footage by the price per square to arrive at the total price of the roof.

Add up the total cost of the materials.

Next, add up the total cost of labor. This includes the cost of the contractor’s employees as well as any subcontractors who will work on the job. You’ll also need to factor in the cost of equipment such as ladders, tools, and scaffolding.

The final step is to multiply the total cost of materials and labor by the number of square feet of roof area. For example, if the total cost of materials is $10 per square foot and the total cost of labor is $20 per hour, then the total cost would be $100 ($10 x 100) plus $80 ($20 x 40). If the total cost of materials was $15 per square foot, then the total cost of materials would be $150 ($15 x 100) plus $60 ($15 x 40). In both cases, the total cost would be multiplied by the square footage of the roof area.

Subtract any discounts or rebates.

If you’ve received a discount or rebate, subtract it from the total cost. Be sure to check with your contractor to see if there are additional discounts available.

Roofers often offer discounts for multiple jobs, such as adding a second layer of shingles or installing a new gutter system. You should ask your contractor what discounts he offers before signing a contract.

Conclusion

Now that you know how to calculate roofing, you can get a more accurate estimate of the project cost. Remember that the type of material used, the size of the project, and the location all play a role in determining the final cost. If you need any help with your roofing calculations or have any questions, don’t hesitate to contact us. We would be happy to answer any of your questions and help you get started on your roofing project.

Homeowners insurance is one of those things we all have, but no one ever really thinks about it until we have a problem.

The insurance companies are counting on you doing exactly that: not thinking about it or looking at it closely until you need to file a claim. Then, whatever is not in that contract becomes something they can use to deny your claim. 

Those contracts are written by lawyers. The job of those lawyers is to make the company as much money as possible. The way to do that is pay out as little as possible. Nonetheless, the law requires that they detail everything they will cover – and everything they won’t.

Here are five things you should know about your homeowners’ insurance to keep your home protected and your family safe.

1. Your homeowner’s insurance policy doesn’t cover everything

Your homeowners’ insurance policy is a contract between you and your insurance company. In exchange for your premium payments, the insurance company agrees to pay for certain types of damage to your home. However, it’s important to remember that your policy has limits and exclusions. For example, most policies will not cover damage caused by floods or earthquakes. In addition, many policies have limits on the amount they will pay for certain types of items, such as jewelry or art. As a result, it’s important to understand what is and is not covered by your policy before you file a claim. Otherwise, you could be left with costly repairs that are not covered by your insurance.

2. You need to read your policy carefully and understand what is and isn’t covered

When you purchase an insurance policy, it is important to take the time to read the fine print and make sure that you understand what is and isn’t covered. Otherwise, you could find yourself in a situation where you are not properly protected. For example, many policies exclude certain types of damage, such as flood damage or damage caused by earthquakes. In addition, most policies have a deductible that must be met before coverage kicks in. As a result, it is essential that you know exactly what your policy covers before you need to make a claim. If you have any questions, be sure to ask your insurance agent for clarification. By taking the time to understand your policy, you can help ensure that you are properly protected in the event of an accident or disaster.

3. You can increase your coverage for a small additional fee

For many people, the thought of insurance is unappealing. It can seem like a waste of money to pay for something that you may never need. However, the peace of mind that comes with knowing you are protected in the event of an accident or illness is priceless. And, with today’s affordable insurance plans, there is no excuse not to be covered. For example, you can now increase your coverage for a small additional fee. This way, you can have peace of mind knowing that you and your family are taken care of financially in the event of an unexpected emergency. Contact your insurance agent today to learn more about how you can get the coverage you need at a price you can afford.

4. Your home’s value affects your premiums – make sure to update your policy if you make any major renovations or additions

We all want our homes to be our castles – a safe haven from the outside world. But did you know that your home’s value also affects your insurance premiums? That’s right – if you make any major renovations or additions to your home, it’s important to update your policy accordingly. Otherwise, you could find yourself underinsured in the event of a loss. Fortunately, updating your policy is easy – simply contact your agent and let them know what changes you’ve made. Then, they’ll be able to give you an accurate quote that reflects the current value of your home. So don’t wait – if you’ve made any changes to your property, make sure to update your insurance policy today.

5. Review your policy every year to ensure you’re getting the best coverage for the best price

Reviewing your insurance policy on an annual basis is a good way to make sure you are getting the best coverage for the best price. There are a few things you can do to make sure you are getting the most out of your review. First, take some time to familiarize yourself with your policy. What does it cover? What does it exclude? How much does it cost? Reviewing your policy will help you identify any areas where you may need more or less coverage. Second, compare your policy to other policies on the market. Are there other policies that offer more coverage for a better price? If so, switch! Third, ask your insurance agent or broker any questions you may have about your policy. They should be able to help you understand your coverage and make any necessary changes. By reviewing your insurance policy annually, you can be sure you are getting the best possible coverage for the best possible price.

Homeowners insurance is an important part of protecting your home, but it’s not a one-size-fits-all solution. Make sure you understand what your policy covers and doesn’t cover so that you can make the best decision for your needs. You can always increase your coverage if you find that you need more protection than what your base policy offers. And finally, remember to review your policy every year to ensure that you’re getting the best possible coverage for the best price.

Have you had a problem with a denied claim because there was a loophole in your insurance policy?

Contact us for your questions!

So you’ve had some property damage. Maybe it was a hurricane that affected thousands of people. Maybe it was just your leaking toilet. Either filing a property insurance claim is a process. The key to getting what you really deserve from the insurance company is to follow the process and make sure you have the right team on your side.

Here’s a brief guide to filing your claim in 7 steps:

1. Document the Damage

The first step in filing a claim for property damage is to document the damage. This can be done by taking photos or videos of the damaged property, or by keeping a detailed list of the damages. It is important to be as specific as possible when documenting the damage, as this will determine the compensation you are eligible to receive.

2. Contact Your Insurance Company

Once you have documented the damage, you will need to contact your insurance company and notify them of the situation. Be sure to have your policy number and any other relevant information handy when you call, as this will help the insurance company process your claim more quickly.

3. Submit a Claim Form

After you have notified your insurance company of the damage, you will need to submit a claim form. This form will ask for basic information about the incident, such as when and where it occurred, as well as details about the damage. Once you have completed the form, be sure to keep a copy for your records.

4. Include Supporting Documentation

Besides the completed claim form, you will also need to include supporting documentation with your claim. This may include photos or videos of the damage, repair estimates, or receipts for any repairs that have already been made. Including this documentation will help to ensure that your claim is processed quickly and efficiently.

Part of that supporting documentation should be an estimate made by Xactaquote. Since we’re not contractors, we will not write a low bid just to win the work (knowing we have you over a barrel if there’s something else that needs to be done). The insurance company will always take the lowest bid. Make sure you give them a correct bid to pay your claim from.

5. Keep Track of All Correspondence

It is important to keep track of all correspondence between you and your insurance company during the claims process. This includes any letters, emails, or phone calls made regarding your claim. Keeping track of this correspondence will help you stay organized and ensure that you do not miss any important deadlines.

6. Cooperate With The Insurance Company’s Investigation

Once your claim has been submitted, the insurance company will likely investigate the incident. As part of this investigation, they may request additional documentation or information from you. It is important that you cooperate with their investigation and provide any requested information in a timely manner.

7. Negotiate a Settlement With The Insurance Company

Once the insurance company has completed their investigation, they will make a settlement offer based on their findings. If you feel their offer is fair, you can accept it and receive compensation for the damages incurred. However, if you feel their offer is too low, you can negotiate with them to reach a higher amount.

Part of negotiating a settlement is meeting in the middle, but be sure you’re starting from the right place with your quote. If you’re starting out missing things, it’s only going to make it harder to get back to good later.

User-Friendly Interface

The Xactimate software is designed to make the process of estimating insurance claims for your company easier and more accurate than ever before. The program can be used by any type of adjuster, so you no longer have a shortage on hand when it comes time to file those pesky paperwork documents! You’ll even find that there’s not much else needed in order complete tasks like sending out valuation assignments or creating estimates because this all happens seamlessly through one system with ease thanks to also very user-friendly interface.

Xactimate offers an easy and intuitive way to file your property insurance claims on the go with a 3D View tool that enables you not only to rotate, zoom in, or out of structures viewed for claiming purposes but also to change colors at will. You can use it while traveling as well! The app allows users iOS devices (iPad) & Android gadgets such as Nexus 4 phone from Google incubating one large tablet PC made by Samsung called Galaxy Tab 8+.
In addition, both versions work seamlessly together so there’s no need to worry about manual updates – every activity is automatically updated within seconds after finishing

WHAT IS XACTIMATE USED FOR?

Xactimate is the preferred software of property adjusting professionals.
The design allows for documentation and estimation of damages to help process claims quickly, easily calculate costs associated with repairing or replacing damaged items in a safe manner as well as generate sketches necessary when documenting damages on site which helps both insureds whose properties have been surveyed by an adjuster during restoration work while also protecting against false statements made about facts surrounding covered events if they weren’t present at time(ies).

Conclusion paragraph

That wraps up our introduction to Xactimate software. We hope you found this post helpful. If you have any questions, please don’t hesitate to reach out to us. Thanks for reading!