ChatGPTTL;DR
- Verisk prints Xactimate prices on its store page, not on the product page. Read November 4, 2026: Xactimate Pro is $350 for one month, $880 for three, $1,725 for six or $2,690 for a year.
- Xactimate Standard is sold on one term only, $1,575 for six months, on one platform of your choice.
- Budget $2,690 a year per estimator on the Pro annual term. Three seats is $8,070 and ten is $26,900, before add-ons.
- The free 30-day trial is gone. AdjusterPro reports Verisk ended it in September 2024, and the store lists no trial today.
- Most third-party price guides are stale. OpsArmy's $149 a month (July 2025) is less than half the store's one-month price.
- Roofers who only need an insurance-ready file can skip it. Roofr exports an ESX file at $12 a report, and RoofMammoth (ours) starts at $48 a month.
Disclosure: Skill Mammoth built and sells RoofMammoth, the roofing estimating app in the alternatives section below. We have no arrangement with Verisk, Roofr or any training vendor named on this page.
Every Verisk figure here was read on the Verisk store in a real browser on November 4, 2026, because the product page and the rest of the Verisk site print nothing a crawler can read. Third-party figures carry the site that reported them and the date it published.
Verisk prints the price on its store, not on the product page
Xactimate is the line-item estimating program most US property carriers price claims in. A line-item estimate prices each task separately, with its own labor, material and equipment figure drawn from a regional price list that Verisk refreshes monthly. Xactware is the Verisk unit that makes it.
The product page at verisk.com has a "View plans and pricing" link and no dollar amount. The old xactware.com address forwards to Verisk. The help site does not resolve at all. The only price list is the store page that link opens, and it loads nothing without JavaScript, which is why the price guides on Google contradict each other.
Here is what the store showed.
| Product | Term | Store price, November 4, 2026 |
|---|---|---|
| Xactimate Pro | 1 month | $350 |
| Xactimate Pro | 3 months | $880 |
| Xactimate Pro | 6 months | $1,725 |
| Xactimate Pro | 12 months | $2,690 |
| Xactimate Standard | 6 months (the only term offered) | $1,575 |
| XactContents add-on | 1 / 3 / 6 / 12 months | $163 / $400 / $680 / $950 |
| XactAI add-on | 1 / 3 / 6 / 12 months | $39 / $117 / $234 / $348 |
| Verdict | Pro on the 12-month term. Nothing else on the page gets all three platforms under $225 a month. | |
Standard is the odd one. On November 4 the store offered it on the six-month term only. The one-, three- and twelve-month views showed Pro alone plus the two add-ons. So a Standard buyer pays $1,575 twice a year, $3,150, for one platform, against $2,690 for Pro on all three.
One wrinkle on XactAI. A Verisk product page at xactware.com, read the same day, advertises it "from $29 per user/month (introductory pricing)". The store charged $39 on the one-month term. Take the store number.
Standard versus Pro: Pro is cheaper per year and includes more
The plan cards on the store are the only feature list Verisk prints without a login. Standard buys one platform, Desktop or Mobile or Online, with the regional price research from more than 500 US and Canadian regions, plus depreciation, waste and time-and-materials pricing.
Pro includes everything in Standard and adds the following.
- All three platforms on one subscription: Desktop and Mobile and Online.
- XactScope, the field capture tool that turns a scope sheet (the room-by-room list of damage and measurements a tech writes on site) into estimate lines.
- XactRebuild, Verisk's reconstruction pricing module.
- Sketch AR, which draws rooms from the phone camera.
- Free access to the Xactware Classroom, Verisk's self-paced training library.
Because Standard only comes in six-month blocks, a full year of it costs $3,150. A full year of Pro costs $2,690 and covers desktop and mobile both. The only buyer who should pick Standard is someone who needs exactly six months on one device and will not renew.
What Xactimate costs a year at one, three and ten users
The store sells one subscription at a time, and CapOut's February 2026 guide says each additional user needs a license of their own. So the bill scales by seat. Here is the yearly ladder at four buying patterns.
| Buying pattern | 1 user | 3 users | 10 users |
|---|---|---|---|
| Pro, 12-month term | $2,690 | $8,070 | $26,900 |
| Pro, 1-month term rolled for a year | $4,200 | $12,600 | $42,000 |
| Standard, two 6-month terms | $3,150 | $9,450 | $31,500 |
| Pro annual plus XactContents annual | $3,640 | $10,920 | $36,400 |
| Verdict | Pro on the annual term, one seat per estimator. The month-to-month habit costs a ten-seat shop $15,100 a year more than it needs to. | ||
a year per estimator on Xactimate Pro, 12-month term, Verisk store, November 4, 2026
Training and certification sit on top of the subscription, and only the Classroom is bundled. OpsArmy's July 2025 guide, written by an outsourcing vendor, lists the usual extras.
- Certification exam fees of about $100 for Level 1, $200 for Level 2 and $300 and up for Level 3.
- Online video courses from free to about $100.
- In-person workshops or Verisk training at $300 to $1,000 and up.
- Private team sessions from $1,000.
Those are the one source's numbers and they are more than a year old. CapOut's guide says the exam is bought from Verisk per level and that certification renews every two years, with no dollar figure printed.
Writing claims is the back half. Where do the claims come from?
Send us your website. The free 10-minute audit shows whether a storm-season homeowner can find you, call you and get an estimate started before the next contractor does. Report inside 48 hours.
What the third-party guides report, and which are stale
Google's first page for this query is mostly guides written by companies that sell something adjacent: training, AI scoping tools, outsourcing, restoration SEO. Their numbers were right when they were written. Several are not right now.
| Source | Published or verified | Figure reported | Against the store, November 4, 2026 |
|---|---|---|---|
| OpsArmy (outsourcing vendor) | July 2, 2025 | Pro about $149 a month, or about $100 a month billed annually (about $1,200 a year) | Less than half the store's $350 and $2,690 |
| CapOut (AI scoping tool) | February 5, 2026, "last verified August 2026" | No dollar figure in the guide. Its glossary says $149 to $330 a month | The top of that range is under the store's one-month price |
| Toolradar (software directory) | "Last confirmed October 13, 2026" | "Xactimate (6 Months)" $1,575 and "Xactimate (Annual)" $2,390 | The six-month figure matches Standard. The $2,390 annual was not on the store |
| AdjusterPro (training vendor) | Undated. The page refused our fetch, so these are search-snippet figures | Standard $1,575 for six months or $2,390 for twelve. Pro $2,690 a year or $350 a month | Matches the store except the Standard annual |
| PushLeads (restoration SEO agency) | 2026 | $70 to $300 a month under names such as XactAnalysis Desktop and XactNet | The product names do not match the store |
| United Policyholders (consumer nonprofit) | Undated | No price. Says Xactimate handles more than half of US and Canadian property claims and that most regions get a new price list monthly | Useful context, no price |
| Verdict | Use the store. The one third-party number that still stands on its own is $1,575 for six months of Standard. | ||
The $2,390 figure for a Standard annual term shows up twice, so it may have been on the store earlier this year. On November 4 the Standard card appeared only on the six-month view. Do not budget on it until it reappears.
The $149 figure is the one to watch for. It was published in July 2025 and it still ranks, which is how a restoration owner ends up budgeting a third of the real cost.
Can you get Xactimate free?
Not as a working copy. The store lists no free tier and no trial. AdjusterPro, which sells training, reports that Verisk ended the free 30-day download in September 2024, and CapOut's 2026 guide says there is no permanently free version, only occasional promotional access.
What does exist:
- The Xactware Classroom, Verisk's self-paced training, is free with a Pro subscription. The plan card says so.
- Employer seats. Carriers and independent adjusting firms issue licenses to staff adjusters. If you are hired, the firm pays.
- Training-vendor instances. AdjusterPro's course page advertises a training instance inside its classes, so students work in the software without buying it.
- An Xactimate-format file without Xactimate. Roofr exports ESX files, the format Xactimate imports, at $12 a report on its free plan.
- A hired estimator. PushLeads' 2026 guide puts third-party Xactimate estimating firms at $75 to $300 per estimate.
A public adjuster or a restoration estimator who writes claims every week needs the real subscription. A roofer who sees three insurance jobs a month does not.
Three cheaper tools that print a price
If the goal is a fast retail estimate or an insurance-ready file, rather than a claim written natively in the carrier's own program, two roofing tools and one service print their prices. We re-read both vendor pages on November 4, 2026.
| Tool | Price | Meter | What it replaces |
|---|---|---|---|
| RoofMammoth (ours) | Starter $48 a month, Growth $90 a month, 7-day free trial | Per account, monthly | Instant website estimates and homeowner lead capture, not claim writing |
| Roofr | Starter $0 plus $19 a measurement report, Essentials $249 a month, Instant Estimator add-on $149 a month, ESX export $12 a report | Per account plus per report | Aerial measurements and a file Xactimate can import |
| Outsourced Xactimate estimate | $75 to $300 per estimate (PushLeads, 2026) | Per job | The subscription itself, for shops with a handful of claims a month |
| Verdict | On arithmetic alone a $2,690 Pro seat beats outsourcing once you pass a few dozen claims a year. The real cost is the estimator who has to learn it, so outsource until one person owns the claims desk. | ||
RoofMammoth is ours, and it does not write claims. It puts an instant estimate calculator on a roofing website, captures the homeowner's address and contact details, and on the Growth plan can produce a claim report with an Xactimate export using report credits. Prices are from roofmammoth.ai/pricing.
Roofr's per-report pricing is the cheapest bridge into the Xactimate world. A $12 ESX file lets a roofer hand a supplement to an adjuster in the format the adjuster already uses, with no subscription. The full field is in our guides to roofing estimating software and AI estimating software. The free roofing estimate template covers the retail side.
Who should buy it
- Restoration contractors on carrier programs. A TPA, the third-party administrator a carrier hires to route claims to approved contractors, requires estimates written in Xactimate and uploaded through Verisk's network. No substitute file gets through.
- Public adjusters. The negotiation happens line by line against the carrier's own price list, so you need the same list and the same software.
- Roofers doing storm work at volume. Past a few supplements a month, the Pro seat costs less than outsourced estimates and the estimator learns the carrier's language.
- Staff adjusters should not buy it at all. Your employer pays. Ask before you spend $2,690.
The subscription is the cheap part of restoration work. Getting the claim in the first place costs more, which is what our guide to water damage restoration leads is about. Roofers chasing storm work should start with how to get roofing leads.
Three things to skip
- Pro on the one-month term for more than a quarter. Twelve months at $350 is $4,200, which is $1,510 more than the annual term. The quarterly term at $880 is the right bridge if you are not sure the software will stick.
- Two Standard subscriptions to get desktop and mobile. That is $6,300 a year against $2,690 for Pro, which includes both plus Online.
- XactContents before you have contents jobs. It is $950 a year on the annual term and only matters once you inventory and price personal property after fire or water losses.
If you are still deciding whether the software is the bottleneck at all, our best roofing software guide ranks the whole stack, from CRM to measurement, with every price checked on the vendor page.
Frequently asked questions
How much does Xactimate cost a year?
On the Verisk store, read November 4, 2026, Xactimate Pro is $2,690 on the twelve-month term, which works out to about $224 a month. Pro bought month to month is $350, or $4,200 over a year. Xactimate Standard is sold only as a six-month subscription at $1,575, so a year of Standard is $3,150. Add-ons are extra: XactContents is $950 a year and XactAI is $348.
How much does Xactimate cost per month?
Xactimate Pro is $350 on the one-month term. The three-month term is $880 and the six-month term is $1,725, which come to about $293 and $288 a month. The annual term brings it to about $224 a month. Verisk does not sell Standard month to month. Its only term is six months at $1,575, about $263 a month.
Can I get Xactimate for free?
Not as a working subscription. The Verisk store lists no free plan and no trial, and AdjusterPro reports Verisk ended the free 30-day download in September 2024. Free routes that remain are the Xactware Classroom training bundled with Pro and a seat issued by an employer such as a carrier or adjusting firm. Training vendors also run instances during courses. Roofr exports an ESX file for $12 with no subscription.
What is the difference between Xactimate Standard and Pro?
Standard is one platform of your choice, Desktop or Mobile or Online, with the regional price lists plus depreciation, waste and time-and-materials pricing. Pro adds all three platforms, XactScope for field scoping, XactRebuild, Sketch AR and free Xactware Classroom access. Pro's annual term at $2,690 is cheaper than two Standard six-month terms at $3,150, so Pro wins for anyone buying a full year.
Does Xactimate require a contract?
Every Xactimate plan is a prepaid term. The shortest is one month of Pro at $350, so there is no long contract, but there is no refund language on the store page either, and existing customers renew through the Verisk Customer Portal. The three-, six- and twelve-month terms are paid up front. Treat the twelve-month term as a $2,690 commitment per seat.
Is Xactimate worth it for a roofing company?
It is worth it when carriers or a TPA require Xactimate files and you write more than a few supplements a month, because a $2,690 Pro seat is cheaper than outsourced estimates at $75 to $300 each once you pass a few dozen claims a year. For retail roofing, an instant estimate tool at $48 to $249 a month does the quoting job and Xactimate is more than you need.
Want more insurance jobs flowing into whatever you estimate with?
Roofing and restoration websites that rank for storm searches, capture the address and text the homeowner back before the adjuster arrives. Flat pricing from $350 a month, no contracts.