Xactware XactAnalysis (Verisk) Property Claims API
Xactware XactAnalysis (Verisk) REST API for property insurance claims management and construction cost estimating. Enables AI agents to manage property damage estimate creation and review using Xactimate pricing for claims processing, handle claim assignment and adjuster workflow for desk and field adjusting, access construction material and labor cost database (XactPricelist) for accurate property restoration estimates, retrieve claim analytics and benchmarking data for claims portfolio management, manage supplement and revision workflow for estimate lifecycle management, handle contractor assignment and mitigation work authorization for restoration management, access photo and sketch data management for remote claims inspection, retrieve fraud detection and estimate integrity scoring for SIU support, manage large loss and catastrophe claim workflow for CAT event management, and integrate Xactimate estimate data with core insurance systems, TPA platforms, and contractor networks.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Property claims. SOC2. OAuth2. US/CA. Claim and estimate data.
⚡ Reliability
Best When
A property insurer, TPA, or contractor network using Xactimate and XactAnalysis wants AI agents to automate claim assignment, estimate review, supplement management, and portfolio analytics.
Avoid When
FINANCIAL RISK: Xactimate estimate automation affects claim settlements — automated estimate approval without adjuster review creates coverage disputes and financial exposure. XactPricelist pricing is regional and updated periodically; estimate accuracy depends on correct regional pricing selection. Xactware is owned by Verisk Analytics; Xactimate pricing data is proprietary and licensed — unauthorized use or redistribution creates IP licensing violations.
Use Cases
- • Automating property estimate review from claims automation agents
- • Assigning adjusters from claims management agents
- • Analyzing claims performance from portfolio analytics agents
- • Managing CAT event claims from catastrophe response agents
Not For
- • Auto claims without property/residential focus
- • Life and health insurance without P&C property claims context
- • Commercial construction without insurance restoration focus
Interface
Authentication
Xactware XactAnalysis uses OAuth 2.0 and API key authentication. API access via Verisk developer program. Webhooks for claims events. REST API with JSON. South Jordan, Utah HQ (Xactware). Verisk Analytics subsidiary. Verisk acquired Xactware (2012). Public (VRSK NASDAQ). Xactimate is the dominant property claims estimating platform — 50%+ of US property claims use Xactimate pricing. 9,000+ carrier/contractor/TPA customers. Competes with Symbility (CoreLogic) for property claims estimating.
Pricing
South Jordan, Utah. Xactware (Verisk VRSK NASDAQ). Verisk acquired Xactware 2012. Xactimate dominant US property claims estimating. 9,000+ customers. Competes with Symbility (CoreLogic) for property estimating. Strong in homeowners, commercial property, and contents claims.
Agent Metadata
Known Gotchas
- ⚠ FINANCIAL RISK: Xactimate estimate automation affects property claim settlements; automated estimate approval without adjuster review creates coverage dispute and bad faith exposure
- ⚠ XactPricelist regional pricing — Xactimate pricing is region-specific and updated periodically; automated estimates must select correct region/pricelist version to ensure accuracy
- ⚠ Proprietary pricing data — Xactimate XactPricelist is Verisk/Xactware IP; automated extraction or redistribution of pricing data outside licensed use creates IP liability
- ⚠ CAT surge pricing — during catastrophe events, Xactware publishes CAT-specific pricelists; automated estimates during CAT events must use correct pricelist for accurate settlements
- ⚠ Supplement cycle management — Xactimate supplements require carrier-specific approval workflows; automated supplement submission must follow carrier supplement handling policies
- ⚠ Contractor network licensing — Xactimate contractor pricing levels (retail, contractor) differ; automated estimates must use the correct pricing tier for the restoration scenario
Alternatives
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Scores are editorial opinions as of 2026-03-07.