PA's & Homeowners (2024)

Frequently Asked Questions

Q: Why should I write Xactimate Estimates orInvoices?

If you are in the restoration industry, you need to write your estimates or invoices in Xactimate for the following reasons:

Insurance companies and their adjusters use Xactimate for both residential and commercial claims. They trust Xactimate estimates for pricing accuracy.

You can earn more for jobs if you use Xactimate since the pricing is generally trusted by insurance professionals.

Many contractors lose money because they do not provide Xactimate estimates or invoices toadjusters. You don’t want to be one of them.

A skilled Xactimate estimator knows the nuances of Xactimate that will help you generate maximum earnings for your jobs.

Q: How do Iorder Xactimate Estimates or Invoices from Empire Estimators?

Step 1: Scope the job using our form or your own forms or paper.

Step 2: Scan your scope notes and save them as a PDF. (If you prefer to fax the documents, you may fax the documents after placing an estimate or invoice order to 877-550-2536.)

Step 3: Upload your scope notesto our online order form. You may also upload photos and/or any other documentation including estimates from contractors or adjusters.

Step 4: Place your estimate or invoice order with a deposit (down payment) based on the expected amount of the estimate or invoice. Choose between standard (2-business day) or expedited service (24-hours).

Step 5: We write the Xactimate estimate or invoice and send it to you for review. You will receive an email notification that your Xactimate estimate or invoice is ready. You will also receive login information to our secure database, where you will find all your Xactimate estimate orders and invoices.

Step 6: You review the estimate draft. If any changes are needed, you can send our Xactimateestimator a message through the database to request changesuntil the estimate is written to yourspecifications. Once this happens, you will “approve” the estimate in our database.

Step 7: Once the estimate is approved, wewill send you the final invoice. Once you pay the difference between your deposit and the final estimate or invoice amount, you will receive the final estimate or invoice without a watermark.

Q: Will I receive the Xactimate Estimate ESX?

Yes. Once the final invoice is paid, you will be provided with the Xactimate Estimate ESX.

Q: Will Empire Estimatorsreview my scope for potential omissions?

Our estimatorwill dedicate up to 1-hour to review your scope for omissions and/or consult with you to develop your scope. After 1-hour of free consulting, you will be billed our consulting rate for the additional time. You will be notified before said billing commences.

Q: How do I pay an invoice for an estimate?

Please visitempireestimators.com/payment-portalto enter your invoice number and pay your invoice.

Q: Can Empire Estimatorswrite my Xactimate estimates with my company letterhead/logo?

Yes. When you place theestimateorder, attach your company logo to the order form. Your company’s logo will be placed on your Xactimate estimate.

Q: What are scope notes?

A scope is a detailed breakdown of the work needed and activities required to complete a job.

A scope will include a drawing with measurements,individualidentification of the work to be performed, and quantities of materials or labor.

Scope notes can be written on scope sheets, your own paper, or submitted digitally.

Q: How do I send Empire Estimatorsmy scope notes?

The easiest way is to scan your scope notes and save them as a PDF. You can then upload the Scope Notes PDF into our estimate order form.

If it is easier for you to fax the scope notes, you may fax them to us at 877-550-2526 after you place your estimate order. You should place your order confirmation number on the fax so we can identify it with the proper project when it arrives. You may also email us your scope notes after you place an order at estimates@empireestimators.com

PA's & Homeowners (2024)

FAQs

Which homeowners insurance has the most complaints? ›

Ratio for Complaint Years 2022, 2021, and 2020
2022 RankCompany Name2022 Approx. Exposure Count
1Garrison Property and Casualty Insurance Company115,066
2American National Prop & Cas Co82,749
3Safeco Insurance Company of Illinois58,402
48 more rows

Who has the best home insurance rates? ›

Cheapest homeowners insurance for new homes
CompanyAverage annual rateAverage monthly rate
Nationwide$1,040$87
Travelers$1,255$105
USAA*$845$70
*USAA homeowners policies are available only to active military, veterans and their families.
2 more rows
Jun 3, 2024

What if I can't afford my home insurance deductible? ›

If the needed repairs are extensive, you can ask the repair shop to waive your deductible. This isn't illegal, but it is illegal for the shop to bill the insurance company more than their percentage of the bill to make up for the lack of deductible payment.

What is the cheapest home insurance in PA? ›

Penn National has the cheapest home insurance in Pennsylvania at an average of $438 per year. The average rate for home insurance in Pennsylvania is $736 per year. Rates in Pennsylvania are less than half the national average of $1,516. Currently insured?

Which insurance company denies the most claims? ›

Claim denial rates by insurance company
CompanyClaim denials
UnitedHealthcare32%
Anthem23%
Aetna20%
CareSource20%
1 more row
May 15, 2024

Which homeowners insurance company has the highest customer satisfaction? ›

The best home insurance companies at a glance
Best home insurance categoryCompany winner
Best for consumer satisfactionAmica
Best coverageAndover Companies
Best for high-value homesChubb
Best for using an agentCountry Financial
2 more rows

Is a $2500 deductible good home insurance? ›

Is $2,500 a good home insurance deductible? As long as you're comfortably able to pay it in the event of a claim and don't mind footing the bill for smaller losses (say, a broken pipe or stolen laptop), $2,500 is a fine deductible to choose.

What is the average homeowners insurance deductible? ›

However, most home insurance policy deductibles tend to be from $100 to $5,000. The average home insurance deductible is $1,000.

Is it better to pay a higher deductible for home insurance? ›

The higher the deductible you choose, the less you'll pay for your policy. For example, raising your deductible from $1,000 to $2,500 can save you almost 13% on your premium on average, according to NerdWallet's rate analysis.

What is the average homeowners insurance bill in PA? ›

According to 2023 homeowners insurance data from Quadrant Information Services, the average cost of homeowners insurance in Pennsylvania is $1,538.00, which is lower than the national average of $2,511.25.

Who has the most expensive home insurance? ›

Travelers is the most expensive homeowners insurance company for $200,000, $350,000, $500,000 and $750,000 dwelling coverage amounts. Rates vary significantly among companies because they each have their own formulas for pricing.

What house will tend to have a lower homeowners insurance premium? ›

For example, homes that are closer to a staffed fire station tend to have lower premiums because in the event of a fire, it will likely be put out in a timely manner, minimizing the overall damage and cost to your insurer.

What insurance company has the most complaints? ›

Auto Insurance Companies with the Most Complaints
CompanyNAIC Score
California Casualty13.16
Metromile2.02
National General5.57
SafeAuto9.12
6 more rows
Oct 26, 2021

Who is the most trusted insurance company? ›

Best Car Insurance Companies of June 2024
Best car insurance categoryCompany winner
Best insurance company overallTravelers
Best insurance company for affordabilityAmerican Family
Best insurance company for accident forgivenessGeico
Best insurance company for having few customer complaintsNJM
4 more rows
6 days ago

Who is the number one home insurance company in America? ›

State Farm is the largest home and auto insurance company in North America, capturing 17.79 percent of the home market and 18.31 percent of auto.

What are the top two areas of insurance that have the most complaints? ›

Overall, 70.9% of closed insurance complaints in 2023 have involved claim handling. Accident and health insurance providers have received the biggest share of complaints in 2023.

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