SAN FRANCISCO — Verisk's Xactimate platform, the industry-standard estimating tool for property insurance claims, introduced an AI-powered scope documentation feature in early 2026 that uses photo analysis and machine learning to generate preliminary damage estimates from job site photographs.
The feature, called XactAnalysis AI, analyzes photos uploaded from a mobile device and automatically identifies damaged materials, estimates quantities, and generates line items in Xactimate format — reducing the time required to create an initial estimate from hours to minutes.
Insurance carriers and restoration contractors who participated in the beta program report that XactAnalysis AI reduces scope disputes by creating a consistent, photo-documented record of damage at the time of initial assessment, before any demolition or remediation work begins.
The tool is not intended to replace the judgment of a trained estimator, but rather to provide a starting point that can be reviewed and adjusted. Verisk says the AI model was trained on millions of Xactimate estimates and is designed to reflect current pricing and scope practices in each regional market.
The feature is included in Xactimate's Professional subscription tier at no additional cost. Verisk is also developing integrations with thermal imaging cameras and moisture mapping software that would allow AI-generated estimates to incorporate equipment data alongside photo documentation.
