−$3,412.08
Line item substitutions
An activity or object changes between versions. 'Clean floor, strip & wax' vs. 'Clean floor - Heavy'. Same scope, different price.
Independent audit and verificationEvery line item.
Every line item.
Every difference.
Compared in minutes.
Upload two Xactimate estimates for the same loss (whether you are a contractor, carrier, or adjuster) and get a signed, line-by-line audit showing exactly where the numbers diverge. Matched items, one-sided items, quantity and price changes, and the exact dollar delta are all listed in one place.
No credit card to startFirst comparison always freeDeterministic arithmetic
ReconciliationLoss #24-8817
Signed
Estimate A RCV$72,549.26
Line-item reductions
Dropped scope items
Price drift (bimodal)
Depreciation delta
Recoverable adjustments
Review queue3 items
Estimate B RCV$54,431.81
Total gap
−$18,117.45
Residual
$0.00
Estimates compared to date
Live count. The number moves the moment another comparison finishes running.
What you get
Read the difference. Down to the line item.
Compare
Two estimates, one answer
$10 per comparison
Upload both versions of the same loss. Get a line-by-line report of what matched, what changed, what is only on one side, and the exact dollar difference. Download it as a PDF or send it with a share link.
Run a comparisonReport
A document you can hand over
Included with every comparison
Every comparison ships as a clean PDF and a share link: room and category breakdowns, matched pairs, one-sided items, quantity and unit-price changes, and arithmetic checked line by line.
See a reportThe structure behind the numbers
Rooms, dimensions and quantities. Read like a set of plans.
An estimate is a building described in line items. XactCompare reads it back that way, room by room, so a quantity that moved or a scope that vanished is obvious before anyone argues about the total.
Matched, same quantityQuantity or unit differsPresent on one estimate onlyMeasured surface totals
The gap
Estimates differ for reasons that matter. XactCompare finds every one.
Two Xactimate estimates for the same loss should tell the same story. XactCompare takes both PDFs and shows exactly where they diverge, and by how much.
−$2,187.51
Dropped scope items
Items present in one estimate and missing in the other. Final cleanings, thresholds, and edge sealing, surfaced with the dollar impact.
−$8,904.36
Price drift
Unit prices pulled from different pricelists for a subset of items. Rarely obvious, always material to the bottom line.
How it works
Three steps. One shared source of truth.
XactCompare turns two PDF estimates into a single, defensible report both sides can trust.
- 01
Upload both PDFs
Drop in the two estimates for the same loss. Contractor, carrier, or adjuster. Both versions are supported.
- 02
Compare & attribute
XactCompare maps rooms, scopes, and line items between the two estimates and attributes every dollar of variance to a clear cause.
- 03
Review & share
Get a signed report you can share, export, or use as the basis for settlement discussions.
Who it's for01 02 03 04
One comparison report. Every side of the claim.
XactCompare is neutral: it documents where the estimates diverge, so contractors, carriers, and adjusters can work from the same facts.
Contractors
Verify that the carrier estimate reflects the full scope. Spot dropped items, substitutions, and price drift before you supplement or negotiate.
Carriers & adjusters
Compare a contractor supplement to the original estimate. Identify scope inflation, duplicate items, and misapplied coverages with line-level evidence.
Public adjusters
Build a defensible, line-by-line record of discrepancies. Every number traces back to the source PDFs.
Estimators & desk reviewers
Reconcile competing estimates fast. Confirm quantities, unit prices, and coverage placement without rebuilding the scope by hand.
Attribution
Ten ways estimates diverge. XactCompare names each one.
Every dollar of variance is attributed to exactly one bucket. Sub-totals sum to the top-line gap. Always.
01Line-item substitutions
02Dropped scope items
03Quantity drift
04Unit-price drift
05O&P miscalculation
06Tax base errors
07Depreciation deltas
08Recoverable vs non-recoverable
09Geometry mismatches
10Coverage misallocation
Trust
Built for numbers you'd stake a settlement on.
- Arithmetic you can verify
- Every derived number in the report traces back to a source cell in the original estimates. Nothing exists without a clear receipt.
- Your files stay yours
- PDFs are stored in a private, per-user vault with short-lived access links. We do not train on your uploads, ever.
Customer reviewsWhat people say after
What people say after
a real comparison.
Unedited feedback from contractors, carriers, adjusters, and estimators who compared estimates with XactCompare.
"
"Used XactCompare on a $47,000 water loss. It found the missing line items and price drift in about ten minutes. The carrier accepted the supplement the same day."
John M.
Restoration Estimator
"
"As a general contractor, I used to spend hours cross-referencing estimates. Now I upload both PDFs and have a defensible line-by-line report before lunch."
Tim G.
General Contractor
"
"I needed to explain why the contractor's estimate was higher than ours. XactCompare gave me a clear, sourced breakdown that both sides trusted."
Phil R.
Insurance Adjuster
"
"We had three competing estimates on one file. XactCompare showed exactly where each one differed and why, so the negotiation took one call instead of five."
Dana W.
Claims Manager
"
"My position letter practically wrote itself. Every variance was sourced back to the original estimate pages, so the adjuster had nowhere to push back."
Sarah K.
Public Adjuster
"
"I caught $12,000 in dropped scope the adjuster missed. Without a side-by-side comparison, that would have come out of my pocket."
Mike D.
Estimator
"
"Used XactCompare on a $47,000 water loss. It found the missing line items and price drift in about ten minutes. The carrier accepted the supplement the same day."
John M.
Restoration Estimator
"
"As a general contractor, I used to spend hours cross-referencing estimates. Now I upload both PDFs and have a defensible line-by-line report before lunch."
Tim G.
General Contractor
"
"I needed to explain why the contractor's estimate was higher than ours. XactCompare gave me a clear, sourced breakdown that both sides trusted."
Phil R.
Insurance Adjuster
"
"We had three competing estimates on one file. XactCompare showed exactly where each one differed and why, so the negotiation took one call instead of five."
Dana W.
Claims Manager
"
"My position letter practically wrote itself. Every variance was sourced back to the original estimate pages, so the adjuster had nowhere to push back."
Sarah K.
Public Adjuster
"
"I caught $12,000 in dropped scope the adjuster missed. Without a side-by-side comparison, that would have come out of my pocket."
Mike D.
Estimator
Pricing
$10 a comparison. As low as $4.98 on a plan.
Pay as you go
$10per comparison
No subscription. Your first comparison is free with no credit card.
On a plan
$4.98per comparison at Enterprise volume
Team plans include a pool of comparisons each period, and anything you do not use rolls over to the next month. Effective cost per comparison: $7.90 on Starter, $6.63 on Business, $4.98 on Enterprise.
Starter$8.00 / overage
$79/ mo
10 comparisons included · unlimited users
Effective $7.90 per comparison
- Unlimited users
- Unused comparisons roll over month to month
- Admin controls & per-user usage caps
- Priority processing
- Team-wide analytics
Business$7.00 / overage
$199/ mo
30 comparisons included · unlimited users
Effective $6.63 per comparison
- Unlimited users
- Unused comparisons roll over month to month
- Admin controls & per-user usage caps
- Priority processing
- Team-wide analytics
Enterprise$5.00 / overage
$249/ mo
50 comparisons included · unlimited users
Effective $4.98 per comparison
- Unlimited users
- Unused comparisons roll over month to month
- Admin controls & per-user usage caps
- Priority processing
- Team-wide analytics
What the same volume costs pay as you go
Pay as you go is $10.00 per comparison. A plan lowers the effective cost and rolls unused comparisons into the next month.
| Plan | Monthly | Included | Same volume PAYG | You save | Effective each |
|---|---|---|---|---|---|
| Starter | $79 | 10 | $100 | $21 | $7.90 |
| Business | $199 | 30 | $300 | $101 | $6.63 |
| Enterprise | $249 | 50 | $500 | $251 | $4.98 |
How billing works
Save a card once. Every comparison afterward charges $10 automatically, and every charge and report stays in your history so you can download or re-share it later.
- First comparison is free, no credit card
- $10 per comparison pay as you go, less on a plan
- Unused plan comparisons roll over month to month
- Overages billed at your plan rate: $8 / $7 / $5
- Card on file managed by Stripe
- Charges and reports kept in your account
- Per-user usage caps on every plan