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Question 1

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In Xactimate X1, what is the primary navigation element that organizes the program into Estimate Items, Sketch, Photos, and Reports?

The Ribbon

The Project Tree

The Quick Access Toolbar

The Status Bar

to track

2026 Statistics

Key Facts: Xactimate Exam

Certification Levels

Verisk Xactimate

70%

Passing Score

Approximate per level

$50-100

Exam Fee

Per level

20-40 hrs

Study Time

Recommended per level

Level 2

Carrier Standard

Most-required level

10/10

O&P Threshold

When 3+ trades involved

Xactimate Certification has three levels (1, 2, 3) administered by Verisk. Each level costs roughly $50-100 and requires about 70% to pass. Level 2 is most often required by insurance carriers for property field adjusters. Topics span software navigation, sketch tool, line items and selectors, macros, roof/wall/ceiling/floor calculations, contents, pricing markets and O&P, and report workflow.

Sample Xactimate Practice Questions

Try these sample questions to test your Xactimate exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1In Xactimate X1, what is the primary navigation element that organizes the program into Estimate Items, Sketch, Photos, and Reports?

A.The Ribbon

B.The Project Tree

C.The Quick Access Toolbar

D.The Status Bar

Explanation: Xactimate X1 uses a ribbon-style interface (similar to Microsoft Office) with tabs for Estimate Items, Sketch, Photos, and Reports. The ribbon replaced the older menu/toolbar navigation that Xactimate Classic used.

2In Xactimate, which entity is the top-level container that can hold multiple Estimates and represents a single insurance claim?

A.Estimate

B.Project

C.Claim

D.Assignment

Explanation: A Claim is the top-level entity in Xactimate. It can contain one or more Projects, and each Project can contain one or more Estimates (e.g., dwelling, other structures, contents).

3What is the standard Xactimate file format used to transmit a complete estimate (with sketch, line items, photos, and notes) between users?

A..PDF

B..ESX

C..XLS

D..DOCX

Explanation: ESX is the native Xactimate exchange format — a compressed package containing the sketch, line items, photos, notes, and metadata. It is what carriers, contractors, and adjusters exchange.

4Which Xactimate setting determines the default pricing list, taxes, and labor rates applied when a new estimate is started?

A.Profile

B.Macro

C.Template

D.Selector

Explanation: A Profile bundles default settings — pricing list, market region, taxes, labor minimums, O&P defaults — that apply to new estimates. Carriers often issue required profiles to their adjusters.

5XactAnalysis is best described as which of the following?

A.A free desktop calculator add-in for Xactimate

B.A web-based assignment and workflow platform that connects carriers and field adjusters

C.The Sketch tool inside Xactimate

D.A printed pricing book published quarterly

Explanation: XactAnalysis is Verisk's web-based claims workflow platform. Carriers post assignments to it, field adjusters and contractors accept work, upload ESX files, photos, and reports, and carriers approve through it.

6When opening Xactimate, which view typically shows your existing Claims, Projects, and Estimates so you can resume or create work?

A.Sketch View

B.Control Center / Project List

C.Reports View

D.Photos Tab

Explanation: The Control Center (sometimes called the Project List) is the landing area after login. It lists Claims and lets you open existing estimates, create new ones, or download assignments from XactAnalysis.

7Where do you change the unit of measurement (e.g., feet vs meters) and other user-level Xactimate defaults?

A.Sketch ribbon

B.Preferences (User Settings)

C.Macro Manager

D.Reports tab

Explanation: User-level defaults — units, decimal precision, autosave, theme — are configured in Preferences. Profile-level defaults (pricing, taxes) are separate and live in the Profile.

8What is the recommended practice when working on a long Xactimate estimate to avoid data loss?

A.Save often (or rely on autosave) and back up the ESX

B.Avoid using Sketch until the line items are done

C.Disable autosave to improve performance

D.Always work in offline mode

Explanation: Xactimate has autosave, but best practice is still to save manually at meaningful checkpoints and to keep a backup ESX, especially before major sketch changes or pricing updates.

9A field adjuster wants to start a sketch on a tablet and finish it that night on a desktop computer. Which Xactimate platform best supports this?

A.Xactimate Classic only

B.Xactimate desktop with no internet connectivity

C.Xactimate cloud / X1 with sync across devices

D.XactContents desktop only

Explanation: Xactimate X1 / cloud subscriptions sync estimates across web, desktop, and mobile devices. A sketch started in the field on a tablet can be opened on a desktop the same evening once the data syncs.

10A carrier sends a single hurricane assignment that includes both dwelling damage and a detached garage. What is the most common Xactimate hierarchy used to organize this work?

A.One Claim, one Project, two Estimates (dwelling + other structures)

B.One Estimate per loss type with no Project or Claim

C.One Macro per structure, no Estimate

D.One Selector per structure

Explanation: Best practice is one Claim (the loss event), one Project (the property), and two Estimates within that Project — Coverage A dwelling and Coverage B other structures (garage). This keeps coverages reportable separately while sharing the same claim.

About the Xactimate Exam

The Xactimate Certification (Verisk) program validates property estimating software proficiency for adjusters and contractors. It has three levels: Level 1 (foundational navigation, sketch basics, line items), Level 2 (intermediate sketch, complex roofs, macros, contents — most-required by carriers), and Level 3 (advanced commercial losses and complex sketches). Each level is a proctored, knowledge-plus-practical exam.

Questions

100 scored questions

Time Limit

2 hours

Passing Score

70%

Exam Fee

$50-100 per level (Verisk Property Estimating Solutions)

Xactimate Exam Content Outline

10%

Software Navigation & Setup

Xactimate X1 vs Classic, Estimate vs Project vs Claim entities, ribbon and tabs, profiles, preferences, ESX file format, opening/saving, sync with XactAnalysis

20%

Sketch Tool & Drawing Mechanics

Shortcut keys (S square, R rectangle, B bay, P polygon, O octagon), inset/outset, missing wall, opening, niche, alcove, dormer, knee wall, room properties, ceiling height, room area

20%

Line Items, Categories & Selectors

Three-letter category codes (DRY, FRM, RFG, PNT, FCC, FCW, etc.), selectors after the category, search by code or description, quantity/unit/price columns, waste %, depreciation, ACV vs RCV

10%

Macros, Variables & Templates

Building and using macros, F9 to insert variables, prompt-driven macros, macro variables, vs. estimate templates and assignments, sharing macros across users

15%

Roofs, Walls, Ceilings & Floors (Quantity Calc)

Roof facets, pitch, eaves and rakes, RFG calculations, wall and ceiling areas, floor SF, room dimensions, opening deductions, knee wall and dormer treatment

Contents Estimating & XactContents Integration

Contents estimate vs structure estimate, XactContents pricing lookups, depreciation schedules for personal property, claim list import/export

10%

Pricing, Markets, Service Levels & O&P

Pricing list per market region, monthly price updates, four service levels, restoration vs new construction, Overhead & Profit at typical 10/10 when 3+ trades involved

Reports, ESX/PDF & Workflow

ESX export, PDF generation, Excel export, report customization, transmittal, assignment workflow with carriers via XactAnalysis

Best Practices & Carrier Compliance

Documentation standards, scope notes, photo attachments, carrier-specific requirements, audit-ready estimates, ethical estimating practices

How to Pass the Xactimate Exam

What You Need to Know

Passing score: 70%
Exam length: 100 questions
Time limit: 2 hours
Exam fee: $50-100 per level

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

Xactimate Study Tips from Top Performers

1Memorize Sketch shortcut keys cold: S (square), R (rectangle), B (bay), P (polygon), O (octagon) — they appear repeatedly on Level 1 and 2 exams

2Practice the three-letter category codes (DRY drywall, FRM framing, RFG roofing, PNT painting, FCC ceiling finish, FCW wall finish) until you can search line items by code instinctively

3Build at least three macros from scratch using F9 to insert variables — exam questions distinguish macros (prompted, dynamic) from templates (pre-built estimates)

4Run full sketches with missing walls, dormers, and knee walls to confirm how each affects wall, ceiling, and floor quantity calculations

5Know when O&P applies — typically 10% overhead and 10% profit when 3+ trades are involved, and understand carrier-specific rules

Frequently Asked Questions

How many levels does the Xactimate Certification have?

Verisk offers three Xactimate certification levels. Level 1 is foundational and covers navigation, sketch basics, and simple line items. Level 2 is intermediate and is the most-required level by insurance carriers, covering complex sketches, macros, and contents. Level 3 is advanced and tests comprehensive expertise on commercial and large losses. Each level has its own proctored exam.

Who needs Xactimate certification?

Property field adjusters, independent adjusters, restoration contractors, and roofers preparing insurance estimates typically need Xactimate certification. Most major carriers require Level 2 certification for property field adjusters on their rosters. Restoration and roofing contractors who bill through XactAnalysis also benefit from certification to communicate accurately with carriers.

How much does the Sketch tool factor into the exam?

The Sketch tool is the largest single topic on Xactimate exams, accounting for roughly 20% of questions plus driving 15% of quantity-calculation questions. Expect questions on shortcut keys (S, R, B, P, O), inset/outset, missing walls, openings, dormers, knee walls, and ceiling height. Practical proficiency with Sketch is essential to pass Level 2 and Level 3.

Do I need Xactimate software access to study?

Yes, hands-on Xactimate access is strongly recommended. While knowledge questions test concepts you can study from documentation, the practical components of the exam require you to navigate the software, build sketches, and apply line items. Verisk offers training subscriptions, and many adjusting firms provide software access to candidates preparing for certification.

Why is Level 2 the most important certification?

Level 2 is the carrier industry standard. It validates you can handle complex residential losses end-to-end: sketching multi-story homes with cuts and gables, applying macros, pricing in the correct market, calculating O&P, and exporting a clean ESX. Most carrier programs and IA firms require Level 2 before assigning property claims.

What career paths use Xactimate certification?

Xactimate certification supports careers as property field adjusters, NFIP flood adjusters, large-loss adjusters, restoration estimators, and roofing/exterior contractors. It pairs naturally with state Property-Only or All-Lines Adjuster licenses. Certified estimators typically earn higher per-claim fees and qualify for catastrophe (CAT) deployment rosters.