XactAI One Year In: Features, Pricing and Whether an Independent Adjuster Should Pay for It
Verisk launched XactAI on September 30, 2025, with a short list of jobs: summarizing claim notes, labeling photos, summarizing audio and video transcriptions, and sorting additional living expense receipts. A year later the feature list is longer, the price is public, and Verisk said in July that close to 7,000 licensees were using it.
Meanwhile, a quieter change in Verisk's help docs matters to more field adjusters than any AI feature: Xactimate mobile for Android is being retired in 2027.
Here's where XactAI stands as of early November 2026, what it costs, and how an independent adjuster should think about paying for it.
What XactAI does now
The launch features were mostly clerical. The second wave, introduced in a Verisk webinar on May 12, 2026 and documented in help articles from April and May, moves closer to the estimate itself. Verisk's XactAI product page currently sorts the features by product:
| Product | XactAI feature | What it does |
|---|---|---|
| Xactimate | Sketch Scan | Builds a connected floor plan as you walk the space with a phone or tablet |
| Xactimate | Line-Item Advisor | You describe the situation in plain language; it suggests up to three line items |
| Xactimate | Photo labeling | Writes descriptions for claim photos automatically |
| Xactimate (Pro) | XactRebuild | Converts a mitigation estimate into a rebuild estimate |
| XactContents | AutoPricing | Prices inventory items; included with every XactContents license |
| XactAnalysis | Assignment summaries | Condenses long loss notes and instructions into a short brief |
| ClaimXperience | ALE receipts, transcription summaries | Reads and totals living-expense receipts; turns inspection audio and video into notes |
| XactInsights | Insight Analyst, AI Estimator | Answers plain-English questions about claims data; drafts a structured estimate from a job description |
Two features deserve a closer look for IAs.
Line-Item Advisor
According to the Xactware help article, when XactAI is turned on in Xactimate desktop you can ask which line item fits a situation and get back up to three options. That's useful when you're working outside your usual trade or a carrier wants a code you rarely use.
It is a suggestion tool, not a decision. You still choose the item, defend the quantity and own the result when the desk reviewer asks why it's there.
Sketch Scan
Sketch Scan is the feature most likely to save field time, since sketching a cut-up interior is still one of the slower parts of an inspection. The catch is hardware: Verisk's help doc says it requires a LiDAR-equipped iOS device. In practice that means a recent Pro-model iPhone or iPad, not whatever phone you happen to carry.
What it costs
XactAI is an add-on, separate from your Xactimate license. Verisk lists introductory pricing of $29 per user per month billed annually, or $39 per user per month billed month to month, and notes that availability varies by product. The one exception is AutoPricing, which Verisk says comes with every XactContents license.
For a solo IA paying annually, that works out to $348 a year. Month to month, a three-month storm season costs $117.
"Introductory" is doing some work in that sentence. Verisk hasn't said what the regular price will be or when it starts. If you're budgeting for 2027, assume the number could change.
How many people are using it
On Verisk's second-quarter earnings call on July 29, 2026, management said XactAI licensees had grown roughly tenfold since March, to nearly 7,000. They also said a claims-focused connector that lets Verisk data be used inside Anthropic's Claude was already in use at an unnamed top-10 carrier.
Treat those as the figures as of July 29. Verisk's third-quarter call on November 5, 2026 didn't give an updated number: management said only that AI-related licenses kept growing, with the strongest growth among midsized companies and, on the claims side, contractors. Also note what the figure counts: licensees, a mix of carrier staff, IA firm seats and contractors. It doesn't tell you how many independent adjusters pay for it out of pocket.
Should an independent adjuster pay for XactAI?
There's no universal answer, but there is a useful way to frame it. At $29 to $39 a month, XactAI pays for itself if it saves you about one billable hour a month. The real questions are whether the time savings show up in your work and who is paying for the seat.
It probably makes sense if:
- You do a lot of interior water or fire work, where Sketch Scan replaces slow manual sketching, and you already own a LiDAR iPhone or iPad.
- You work desk claims with long note histories, where summaries cut reading time.
- You regularly write outside your strongest trade and want a second opinion on line-item selection.
- Your IA firm or carrier client is buying seats. Ask before you pay for your own.
It may not, yet, if:
- You mostly write roofs. Line-Item Advisor won't replace a solid set of roofing macros you already trust, and Sketch Scan is built for interiors.
- You work from an Android device (see below).
- Your year is slow. 2026 has been a light CAT season for many IAs, and a monthly plan you only switch on during deployments may make more sense than an annual commitment.
One more factor: when AI writes the first draft of a photo label or note summary, you're still the one signing the file. Read what it wrote. Several states now have rules on how insurers use AI in claims, which we covered in AI in claims: the rules adjusters now work under. Clean, human-reviewed notes are the safest habit regardless of which tools you use.
Macros and XactAI are not the same thing
It's tempting to think AI suggestions make macros and templates obsolete. They solve different problems:
- Line-Item Advisor answers a question about one item: "What code fits this?"
- A macro or template loads a whole tested group of items in one step, the same way every time, so you don't forget the drip edge, the starter or the detach-and-reset.
Consistency is what desk reviewers and automated checks reward, and AI suggestions don't provide it on their own. If you want to build or buy that consistency, our explainer on Xactimate macros and templates covers how they work, and the Storm Life macros and templates collection has ready-made sets for roofing, water mitigation and more.
Xactimate for Android is going away
Verisk's own help article on getting started in Xactimate mobile for Android now carries a notice:
- January 2027: the Android app moves to limited functionality.
- Q2 2027: the app will be discontinued and no longer available or supported.
The notice gives no exact day and doesn't name a replacement, although the help center lists iOS mobile articles alongside it. We found no Verisk press release or trade press coverage of the change, so check the help doc again before you make a purchase decision.
What it means for you: If you inspect from an Android phone or tablet, the 2027 spring hail season may be your last with the app working normally, and possibly not even that. Combined with Sketch Scan's LiDAR iOS requirement, Verisk's mobile tools are clearly heading toward Apple hardware. If you were due for a new field device anyway, that points to a LiDAR-capable iPhone or iPad. If you weren't, there's no reason to panic-buy in November, since the app still works for now.
What to watch
- Verisk's quarterly updates: whether a new licensee count or XactAI pricing change appears in Verisk's next results, since the November 5 Q3 report gave neither.
- The end of "introductory" pricing: whether $29/$39 holds into 2027.
- Carrier guidelines on AI-generated content: whether clients start requiring you to flag or edit AI-written labels and summaries.
- The Android help doc: exact dates and any replacement Verisk names.
XactAI is a reasonable tool at a modest price, and it gets better at clerical work every quarter. It doesn't know the roof you just walked. Your scope, your photos and your reasoning are still the product the carrier is paying for.