Why EM Contingency Group Uses Xactimate — The Same Estimating Software as Your Insurance Adjuster

When property damage happens—whether from an ice storm, wind, water, or structural failure—the repair work is only half the battle. The other half is getting your insurance claim approved, scoped correctly, and paid without unnecessary delays.

At EM Contingency Group, we use Xactimate estimating software, the industry-standard platform used by the vast majority of insurance carriers and adjusters across the United States.

That choice is intentional—and it matters to you.

What Is Xactimate?

Xactimate is the estimating software relied on by:

• Insurance adjusters

• Third-party administrators

• Major carriers and claims departments

It provides:

• Line-item pricing based on current regional labor and material costs

• Standardized scope descriptions insurers recognize

• Transparent, defensible estimates tied to real-world data

In short: it’s the same language your insurance company speaks.

Why This Matters for Your Claim

When a contractor submits estimates using spreadsheets, “ballpark” pricing, or non-standard formats, insurers often respond with:

• Revisions

• Delays

• Scope reductions

• Payment disputes

Because EMC prepares estimates directly in Xactimate:

• Our scopes align with adjuster expectations

• Line items match insurer pricing databases

• Documentation is easier to review and approve

• Claims move faster with fewer back-and-forths

This reduces friction—and protects you from being caught between a contractor and an insurance company arguing over numbers.

Fewer Surprises. Fewer Delays. Better Outcomes.

Using Xactimate allows EMC to:

• Clearly define what is damaged

• Accurately capture labor, equipment, and material costs

• Justify repairs with standardized descriptions

• Provide photo documentation tied directly to the estimate

That means:

• No vague scopes

• No inflated guesswork

• No underwritten repairs that leave you short

Just clear, defensible numbers.

Especially Important After Storm Events

Tree fallen through roof at a home.

After ice storms, wind events, or widespread damage:

• Adjusters are overloaded

• Claims are scrutinized more closely

• Poor documentation slows everything down

EMC’s Xactimate-based estimates help keep your claim clean, professional, and credible—even during high-volume disaster response periods.

The EMC Difference

We don’t just build and repair.We understand how projects are reviewed, approved, and paid.

By using the same estimating platform as your insurance adjuster, EM Contingency Group removes unnecessary obstacles and keeps your project moving forward.

If your property has been damaged and an insurance claim is involved, working with a contractor who speaks the insurer’s language isn’t a luxury—it’s a necessity.

EM Contingency Group Storm Response • Structural Repair • Site Stabilization

Built right. Scoped right. Documented right.