- On January 14, 2021
Contractors already know writing accurate property damage estimates is the best way to avoid claim disputes and speed up the payment process. The only problem? Xactimate makes it so easy to make mistakes. When added up, errors lead to claims being underpaid by thousands of dollars. One of the best New Year’s resolutions storm restoration contractors can make is to break these bad habits and get Xactimate certified in 2021.
1. Not Checking Labor & Material Pricing
Contractors have a bad habit of leaving the prices for line items to the default setting. Xactimate sets median market prices (or averages) to every single line item. This can easily result in lower claim payouts if the user does not update them to the proper amount. Instead, contractors should use the “Open for Inspection” tool to check and update prices as needed.
2. Not Using Sketch
We’ve talked to several contractors who are intimidated by the Sketch tool in Xactimate but it’s one of the best ways to increase your speed and efficiency. It allows you to import Eagleview data, add photos of the damage, add notes and additional information, and even build an O&P cover sheet directly into an estimate. If you are not already in the habit of using Sketch, make it a goal to master the tool in 2021.
3. Relying On Supplements
The majority of contractors are not skilled enough to supplement jobs with underestimated materials and line items. These contractors most often end up doing the work at a low-profit margin that will inevitably impact their business or cause them to go bankrupt. Instead, focus on writing proper estimates and being able to validate prices to carriers.
4. Not Substantiating Claims
Contractors should expect insurance carriers and their adjusters to push back on something, whether it’s price, materials, labor, etc. The only way around this is to substantiate all claims with factual documentation like Xactimate’s white papers, bulletins, and other materials. This often leads to proper communication/education with policyholders which can derail attempts made by insurance adjusters to get them to switch contractors
5. Not Having An Xactimate Certification
It used to be that roofers and contractors could be self-taught in the program and “get by” without formal training or completing the certification process. Contractors of all types must be smarter than carrier adjusters and have the certifications to prove it. If you are not already, make a plan to get certified in Level 1 by the end of 2021.
Break Bad Habits With Xactimate Certification
We’ve created online Xactimate certification training programs for contractors that combine self-paced and live virtual training. Courses are 100% mobile-friendly, and also offer real-world experience to combat issues contractors face daily when working on insurance claims. All courses are taught by Andrew Behrens, a Xactimate Certified Trainer (XCT) and the Director of Investigations for C3 Group. Use this link to browse available training options: https://c3adjusters.myabsorb.com