Xactimate supplement software that finds what the carrier left off.
What is Xactimate supplement software?
Xactimate supplement software supports the supplement step of an insurance claim: it turns the carrier's scope into an import-ready Xactimate .esx estimate, and on dashboard conversions it reports the line items the carrier's scope left out. ESXPress runs that conversion in about two minutes for a typical scope. The audit reports findings; the estimate itself is still written and priced in Xactimate.
By Chaz Jaco, Co-Founder & Software Architect, ESXPress - Last updated:
What is supplement software actually judged on?
A tool in this category can turn a carrier's scope into some form of estimate; that part is table stakes. The question a contractor should ask instead is whether the tool tells you what the carrier's scope omitted, because that is the difference between a supplement and a reformat.
A carrier writes the initial estimate from what it can see and verify: photographs, measurements, and the scope of work it is willing to start from. Tear-off then exposes the rest, and regional code requirements are frequently absent from that first pass. Supplement software that only reformats the scope hands you the same omissions back in a different file.
What ESXPress does with the carrier's scope
- Upload the carrier's scope. The scope-of-loss PDF, or its scope XML export when you have one. Rooms, trades and notes carry through as the carrier wrote them.
- Convert to an import-ready .esx. You get a file Xactimate opens as a working estimate, with the carrier's lines and their printed prices intact. A line that cannot be confirmed is flagged for your review rather than guessed.
- Read the completeness findings. On dashboard conversions, the audit reports the rule flags for the scope you just converted, each one paired with the citation behind it: the IRC or IECC where the requirement is code-based, the manufacturer's or standard's guidance where it is not. Nothing is added to the estimate; the findings tell you what the carrier's scope did not carry.
- Work the supplement in Xactimate. Import the .esx into your licensed copy of Xactimate, where your loaded price list prices the job, and build the supplement as its own estimate against the written findings.
Does the completeness audit run on dashboard conversions?
This is the part worth being precise about, because it changes what you can promise a carrier. On dashboard conversions, the audit runs against the 93 rules, and every flag carries a citation behind it, the IRC and IECC where the requirement is code-based. The advisor itself is opened from the review page: it is a review step a person starts, not something that fires on upload.
The public structured API is a different leg. On the synchronous call it returns the finished .esx plus a structured payload and requires the import guard only, so the completeness audit is not part of that route. Teams building on the API get the conversion; teams working in the dashboard get the conversion plus the findings.
What items do carriers omit most often?
A handful of line items recur in many carrier scopes, and for a structural reason: the first estimate is written before anyone opens the roof. The recurrent ones are ice and water shield, where IRC R905.1.2 sets the underlayment requirement by local freeze history; drip edge at the eaves and rakes, required by IRC R905.2.8.5; and ventilation, where IRC R806.1 sets a net free ventilating ratio of 1/300. Requirements also shift by climate zone, which is where IECC 2021 comes in: the same roof in a different county can carry a different obligation.
What it costs
| Plan | Price | Included |
|---|---|---|
| Free | $0 | 5 conversions/month, no card |
| Entry paid tier | $179/mo | 25 conversions/month |
| Top of the ladder | $5.00/file floor | Published floor, nothing prices below it |
| Credit packs | $29 and up | Pay as you go, credits do not expire |
| API & Integrations add-on | $49/mo | Included from the mid-tier plan up |
Source: esxpress.org/pricing, the full published ladder. Conversions pause at a plan's cap; there is no overage meter. No Xactimate price-list figures appear anywhere on this page.
How this differs from a supplement letter generator
A letter generator produces the ask. It needs you to already know which lines are missing, and it formats the argument once you do. ESXPress works one step earlier: it makes the carrier's scope workable and, on dashboard conversions, reports what that scope did not carry. Used together, the findings are the input and the letter is the output. Used alone, a letter about a scope you have not audited is still a letter you have to write from memory.
Related reading
- How to write an Xactimate supplement, the how-to guide this page is the category page for.
- Roofing supplement software, the roofing-specific tool comparison.
- PDF to Xactimate, the conversion step in detail.
- Xactimate vs ESXPress, what each one does.
- Best Xactimate alternatives (2026), the wider landscape.
- The 93 Missing Line Items.
- Free ESX validator, check a file before you send it.
- Storm season supplement playbook for planning the supplement year, storm season included.
Sources and standards cited on this page
Cited for the code requirements referenced above and for the platform behavior described on this page.
Common questions
What is Xactimate supplement software?
Xactimate supplement software supports the supplement step of an insurance claim: getting the carrier's scope into a form you can work, and identifying the work the original scope left out. ESXPress is that software; the estimate itself is still written and priced in your copy of Xactimate.
How is this different from a supplement letter generator?
A supplement letter generator writes the ask and assumes you already know which line items are missing. ESXPress works on the step before that: it turns the carrier's scope into an import-ready .esx and, on dashboard conversions, reports the items the scope did not carry, each finding paired with the citation behind it. The letter is easier to write once the omissions are a list rather than a memory test.
Does the completeness audit run on API conversions too?
The completeness audit is not part of the API route, and the difference is deliberate. The audit runs on the dashboard leg: a dashboard conversion is what the audit reviews, so that is where the findings appear. The public structured API returns the finished .esx and a structured payload on its synchronous call, and requires the import guard only, so the completeness audit is not part of that route. If you build on the API, treat the completeness findings as a dashboard feature.
What does it cost?
Xactimate supplement software from ESXPress is priced per conversion, not per line: a scope of 1,000 or more line items counts as one conversion. Five conversions a month are free with no card, paid plans start at $179 a month for 25 conversions and run to a published $5.00 per-file floor at the top of the ladder, and pay-as-you-go credit packs start at $29 for a single file. The full ladder is published on the pricing page.
Do I need Xactimate installed to use it?
You need Xactimate to open and work the .esx file, because that is where the estimate and the supplement live. ESXPress produces the .esx and makes sure it arrives import-ready, with its line items and notes in place.
How long does a supplement start to finish take?
Converting a carrier's scope takes about two minutes for a typical scope, against roughly three to six hours of retyping the same lines by hand. Reading the completeness findings takes as long as the list is. Writing and sending the supplement is your side of the work, and it does not get shorter because the scope arrived clean.
Xactimate is a registered trademark of Verisk Analytics, Inc. ESXPress is an independent tool and is not affiliated with or endorsed by Verisk/Xactware.