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The property claims technology stack in 2026: estimating platforms, measurement services and the files between them

A claims desk is a chain of software with files passed between the links. Here is the chain as the companies describe it, and where the hand-offs still cost time.

By MBK Newsdesk·
A claims operations office with several monitors and a chain of stacked file folders.
Illustration: MBK Media Group
Companies in this story: Verisk, Sketch My Roof, EagleView, Roofr, HOVER

The estimating platform is the center

Everything in a property claim resolves to an estimate, and the estimate lives in a platform. Verisk's Xactimate® is the most widely referenced; Symbility® is the other major platform. The platform holds the sketch, the line items and the pricing, and it produces the number the claim settles on. Every other tool in the stack either feeds the platform or reads from it. Verisk also operates XactAnalysis®, which carriers use to assign and manage estimates across desks and vendors.

Measurement services feed the sketch

A roof measurement provider's job, seen from the platform, is to supply the sketch. Providers that deliver ESX (for Xactimate®) or XML (for Symbility®) put the geometry into the estimate on import; providers that deliver PDF supply a document the estimator redraws from. As of July 31, 2026, Sketch My Roof lists ESX as its base product and publishes an ordering integration inside Xactimate® and XactAnalysis®; Roofr lists ESX as a $10 add-on on paid plans; EagleView describes ESX delivery through EagleView One and integrations; HOVER produces 3D exterior models with measurements for roof, siding, gutters and windows. The format each provider publishes decides how much of the estimator's day is spent on the sketch.

Documentation, communication and the file

Around the estimate sit the tools that document and communicate: photo documentation apps, claim-file systems, and the assignment platforms that route work between carriers, adjusters and contractors. The claim file is where the PDF report, the photographs and the correspondence accumulate as the exhibit set. The friction is at the seams: a report that arrives in the wrong format, a photo set that lives in a different system than the estimate, a revision that has to be requested by email. Each seam is a place a vendor can sell an integration, which is why the platform integrations providers publish are worth reading closely.

Where the time still goes

Redrawing a roof from a PDF. Re-keying quantities from one system into another. Waiting on a report past the window a desk planned around. Every published integration, format and delivery term in this segment is aimed at one of those three. When MBK Media Group records a provider's published terms, it is recording where that provider claims to have removed a step; whether the step is actually removed on a given desk is for the desk to test.

Questions readers ask

What is the difference between Xactimate® and XactAnalysis®?
Xactimate® is Verisk's estimating platform where the sketch, line items and pricing live. XactAnalysis® is Verisk's assignment and management system used to route and track estimates across desks and vendors.
Why does the file format between a measurement service and the platform matter?
Because an ESX or XML file imports the sketch into the estimate, while a PDF has to be redrawn. The format decides how much estimator time the report saves.

Sources

  1. Xactimate® is Verisk's property estimating platform; ESX is its estimate file format: Verisk Xactimate® product page (as of July 31, 2026)
  2. Standard Roof Report (ESX only) $19; Complex Roof Report (ESX only) $25; Standard Roof Report (ESX + PDF) $29; Standard Roof Report (PDF only) $25; same-day delivery on orders placed before the published cutoff: Sketch My Roof residential order page (as of July 31, 2026)
  3. ESX for Xactimate® and XML for Symbility® as deliverable formats; PDF exhibit; every report reviewed before delivery; revisions at no charge; orders by street address in the United States and Canada: Sketch My Roof service facts page (as of July 31, 2026)
  4. Xactimate® Integration: ordering inside Xactimate® and XactAnalysis® with delivery back into the workflow: Sketch My Roof Xactimate® Integration page (as of July 31, 2026)
  5. Free plan $19 measurement reports delivered in 24 hours or less; paid plans $13 reports with 2 or 6 hour delivery guarantees; ESX files $10 per report on paid plans: Roofr pricing page (as of July 31, 2026)
  6. Published residential per-report pricing by size and tier: Small (20 sq) $32.75 Bronze / $27.50 Silver / $24.25 Gold; Medium (40 sq) $60 / $54.75 / $49; Large (40+ sq) $87 / $81.25 / $75.50; Commercial $89.50 / $84.25 / $79; Platinum and Premium 'call for pricing': EagleView pricing page (as of July 31, 2026)
  7. Full Exterior measurements priced by structure complexity: simple $59 Starter / $39 Pro; average $99 / $79; complex $139 / $119; Pro plan $999 per year; expedited delivery $39 (Starter) or $19 (Pro) per project: HOVER pricing page (as of July 31, 2026)

How this was reported: Figures come from the named company's own published pages or filings, and are quoted as they appeared on the date shown. Companies mentioned in a story were not paid for coverage. Every outbound link on this site carries rel=nofollow as a matter of policy. Editorial standards · Report a correction

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