Xactimate & price list tracker
Xactimate prices the majority of insurance restoration work in the United States, which makes every price list update and settings change a direct edit to your revenue.
Xactimate prices the majority of insurance restoration work in the United States, which makes every price list update and settings change a direct edit to your revenue. In 2026 Verisk added a third labor-efficiency model, Large Restoration/Remodel, on top of the long-running fight over carriers using the new-construction setting to cut payouts. Courts have mostly held that no specific setting is contractually required, so that argument gets won with documentation, not the policy. This tracker logs every pricing and estimating-platform move the desk catches: price list revisions, labor-efficiency changes, AI estimating entrants, and the rulings that decide which settings stick. Labor efficiency is the hidden multiplier on every estimate you write. Treat changes to the platform like changes to your rate sheet, because that's exactly what they are.
The pricing log
| What moved | Flagged | Operator impact |
|---|---|---|
| Xactimate adds a third labor-efficiency model, Large Restoration/Remodel, sitting between the Restoration/Service setting and full rebuilds | 2026-05-30 | Every large loss now has a which-tier-applies fight; a one-page tier justification in your estimate package is how you keep that labor margin. |
| The old New Construction labor setting is relabeled Total Rebuild or Similar, and the three-tier setup requires a 2026-or-later price list | 2026-07-16 | The relabel weakens the classic underpayment dodge; asking whether your occupied, phased job is really a Total Rebuild is a better argument than you had last year, but you need a 2026 price list to make it. |
| Xactimate hourly billable labor rates now update monthly | 2026-07-16 | Labor pricing moves every month now, so estimating off a stale list means eating documented wage inflation on every job. |