All Claim Supplement & Adjuster Comparisons$29 Instant Browser Audit vs. $349/mo Verisk Xactimate Seat

ClaimXray ($29) vs. Verisk Xactimate ($349/mo): How to Supplement Carrier Estimates Without an ESX License

A Verisk Xactimate Professional license costs $349/month ($3,600+/year) and requires weeks of ESX sketch training—and even then, Xactimate never tells you which line items the carrier desk adjuster deliberately omitted. ClaimXray reads any carrier Xactimate PDF in your browser in 60 seconds and exports a code-cited Word (.docx) Supplement Schedule for $29.

Quick 30-Second Verdict: Verisk Xactimate ($349/mo) vs. ClaimXray.com (2026)

When to Choose Verisk Xactimate ($349/mo) ($349/month):

You are a full-time career staff adjuster or estimator writing 50+ ground-up `.ESX` sketches from raw laser measurements every month.

When to Choose ClaimXray.com ($29 One-Time / $0 Free Preview):

The insurance adjuster already sent you a 10–30 page Xactimate PDF and you want to uncover every omitted code item, waste cut, and depreciation holdback in 60 seconds for a one-time $29 pass ($0 subscription).

Capability / Requirement	ClaimXray (CodeRay™)	Verisk Xactimate ($349/mo Desktop & Online License)
Pricing & Contingency Fee	$0 Free Preview • $29 Single / $49 Deal Pass / $99 5-Pack (0% Contingency Fee)	$349/month ($3,600–$4,200+/year per seat) + ESX training
Turnaround Speed	60 Seconds (Instant Self-Serve Browser Scan)	2 to 4 hours of manual ESX sketching & selector code lookups per file
Privacy & Data Retention	100% Anonymous • Volatile RAM Only • Zero Account Signup	Cloud account tied to Verisk Xactware ID & XactAnalysis network
Native Word (.docx) Supplement Schedule	1-Click Native .docx (`<w:del>`, `<w:ins>` & Adjuster Comments) + Proof-of-Loss Rider	Outputs raw carrier-style line tables without statutory/IRC rebuttal briefs or Word Track-Changes Riders
IRC / IICRC Code Graph & Round-2 Adjuster Pushback Mode	Included (Soft, Standard & Hardball Postures + V2 Denial Re-Audit)	Not included out-of-the-box

Xactimate Is a Blank Calculator — It Won’t Tell You What the Adjuster Left Off

Verisk Xactimate is the pricing database insurance adjusters use, but it is a passive blank canvas: if you don’t already know to type `RFG DRIP`, `RFG IWS`, `RFG ASTR`, `RFG RIDGC`, `WTR NAFA`, or how to rebut non-material labor depreciation and 3-trade 10&10 O&P denials, Xactimate will not flag them for you. ClaimXray acts as an adversarial Xactimate auditor—reading the carrier’s existing PDF and automatically generating every missing selector code, IRC/IICRC citation, and rebuttal script.

Carrier Underpayment & Verisk Xactimate ($349/mo) Blindspot

“CARRIER XACTIMATE PDF (TXDF8X): 34.00 SQ Laminated Shingles (RFG 300S) with 0% hip/valley waste, $0 Drip Edge (RFG DRIP), $0 Ice & Water Barrier (RFG IWS), $0 GC O&P, and $6,840 withheld in non-material labor depreciation.”

What Verisk Xactimate ($349/mo) does: Verisk Xactimate Software: Requires paying $349/mo, re-sketching the roof from scratch in ESX, and manually knowing which selector codes and IRC building code sections to add.

What CodeRay™ Catches & Supplements

CodeRay™ Instant PDF Audit ($29): Automatically parses the carrier PDF in 60 seconds, flags +$16,420 in omitted Xactimate line items (`RFG DRIP`, `RFG IWS`, `RFG ASTR`, `RFG RIDGC`, `RFG STEP`, 15% EagleView hip waste, 10&10 O&P, and illegal labor depreciation), and writes the complete Word (.docx) Supplement Schedule.

“SUPPLEMENT SCHEDULE (+$16,420.00): Add 295 LF Drip Edge (`RFG DRIP` per IRC R905.2.8.5), 620 SF Ice & Water Barrier (`RFG IWS` per IRC R905.1.2), 295 LF Universal Starter (`RFG ASTR`), 140 LF High-Profile Hip/Ridge (`RFG RIDGC`), 15% hip/valley waste factor, 21% cumulative 10&10 O&P across 4 trades, and reverse $4,190 in non-material labor depreciation.”

Test CodeRay™ Live Right Now (Zero Signup Required)

Scan Your Carrier Estimate Free & Compare the Supplement Yourself

Available Credits: 0

Active Engine: CodeRay™ Deep-Scan Engine

Multi-Hop IRC / IICRC Code GraphNative PDF & Word (.docx)Round-2 Desk Adjuster Rebuttal

1. Select Claim Scope Playbook & Protected RoleAuto-Tailored to Your Claim TypeRoofing, Hail & Wind Scope • Protecting: Policyholder / Roofing & Restoration Contractor

2. Input Carrier Estimate (Xactimate PDF, Word .docx, Photo, or Text)

Upload PDF / Word (.docx)

Drop Carrier PDF / .DOCX anywhere, or press Cmd+V / Ctrl+V to paste estimate text

Cmd+V/Ctrl+V

CARRIER PROPERTY LOSS ESTIMATE — XACTIMATE ROOF & EXTERIOR SCOPE
CLAIM NO: HO-2026-884192 | LOSS TYPE: WIND & HAIL STORM | PRICE LIST: TXDF8X_OCT26

LINE ITEM 1 — ROOFING TEAR-OFF & LAMINATED SHINGLE REPLACEMENT (RFG 300S)
Carrier approves tear-off and replacement of 32.00 SQ of 30-year laminated architectural shingles on the Dwelling Roof. Shingle replacement is calculated at exact net EagleView surface area (32.00 SQ) with zero percent (0%) waste allowance for hips, valleys, or starter/ridge cuts. Starter course shingles and hip/ridge cap shingles are included within field shingle waste and will not be paid as separate line items.

LINE ITEM 2 — EAVE/RAKE DRIP EDGE & ICE/WATER BARRIER OMISSION (IRC R905.2.8.5 / R905.1.2)
Carrier estimate excludes Aluminum Drip Edge (RFG DRIP - 280 LF) and Ice & Water Leak Barrier (RFG IWS - 640 SF). Adjuster note: "Existing roof did not have visible drip edge or ice & water shield prior to loss; policy only owes for direct physical like-kind replacement and excludes municipal IRC building code upgrades unless separately endorsed and already incurred."

LINE ITEM 3 — FLASHING, TURBINE VENTS & PIPE JACK RE-USE
Existing step flashing (96 LF), chimney counter-flashing, valley metal, and lead plumbing pipe jacks shall be salvaged and re-installed with the new roof system. Detach and reset of 5" seamless aluminum gutters (185 LF) is excluded as unnecessary for drip edge or shingle installation.

LINE ITEM 4 — GENERAL CONTRACTOR OVERHEAD & PROFIT (10% & 10% O&P)
General Contractor Overhead (10%) and Profit (10%) are excluded from this estimate. Adjuster note: "Although scope includes Roofing, Gutter/Downspout, Exterior Fascia Paint, and Interior Garage Ceiling Drywall trades, the work does not require sufficient complexity to warrant a General Contractor."

LINE ITEM 5 — ACV PAYMENT & NON-MATERIAL LABOR DEPRECIATION
Replacement Cost Value (RCV) is calculated at $14,280.00. Carrier applies a forty-five percent (45%) depreciation factor ($6,426.00) across BOTH physical shingle materials AND non-material roofing tear-off/installation labor, plus a $2,500.00 Deductible, resulting in a Net Actual Cash Value (ACV) payment of $5,354.00.

Optional — Property State or Claim Context (e.g., "34 SQ Texas hail roof claim" or "Florida Category 3 water loss")

100% Stateless & Private • Saves $1,500 – $4,500 (or 10%–15% PA fee) vs. Public Adjuster fee

Frequently Asked Questions: ClaimXray vs. Verisk Xactimate ($349/mo)

Do I need a Verisk Xactimate subscription to use ClaimXray?

No. You never need Xactimate installed. Simply upload the insurance carrier’s Xactimate PDF directly into ClaimXray, and CodeRay™ outputs a ready-to-send Microsoft Word (.docx) Supplement Demand Schedule, Exhibit R Proof-of-Loss Rider, and Desk Adjuster Rebuttal Email in 60 seconds.

Does ClaimXray include real Xactimate selector codes and IRC/IICRC citations?

Yes. Every ClaimXray audit references standard Xactimate category and selector codes (`RFG DRIP`, `RFG IWS`, `RFG ASTR`, `WTR DHM`, `WTR NAFA`, `PNT SEAL`, `CON ROOM`, etc.) paired with mandatory IRC building code, IICRC S500/S700 restoration standards, and state prompt-payment statutes.

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