Symbility vs. Xactimate

Symbility vs. Xactimate: Key Considerations for Public Adjusters

In the insurance claims industry, public adjusters are essential advocates for policyholders, ensuring they receive fair and just settlements from their insurance companies. With the advancement of technology, specialized software solutions like Symbility and Xactimate have revolutionized how public adjusters handle claims, improving efficiency and accuracy in the process. In this article, we will define and explain Symbility and Xactimate, highlight their fundamental differences, explore the benefits they offer public adjusters, and discuss why using both can be advantageous. Finally, we will draw a conclusion based on our findings.

What is Symbility and Xactimate?


Symbility is a cloud-based software solution designed to streamline the insurance claims process, enabling public adjusters, insurance carriers, and contractors to collaborate effectively. It offers a user-friendly interface, extensive scope and estimating features, and seamless integration with insurance carriers. Symbility’s mobile app allows adjusters to work efficiently on-site and capture real-time data.


Xactimate is a leading software platform used primarily in the property insurance industry. It provides adjusters with robust tools for accurately estimating property repair and rebuilding costs. With a vast database of materials and labor rates, Xactimate simplifies the claim estimating process, ensuring fair and consistent assessments.

Critical differences between Symbility and Xactimate

User Interface and Ease of Use:

Both Symbility and Xactimate place a strong emphasis on user experience and ease of use, but they differ in their approaches.

Symbility: The user interface of Symbility is known for its simplicity and intuitive design. Public adjusters can easily navigate the various features, reducing the learning curve and saving valuable time during the claim-handling process.

Xactimate: Xactimate also boasts a user-friendly interface, but it may be slightly more complex for beginners. However, once adjusters become familiar with its functionalities, they can leverage its extensive capabilities effectively.

Scope and Estimating Features:

Both software solutions excel in scope management and estimating, catering to the specific needs of public adjusters.

Symbility: Symbility offers comprehensive scope management tools that allow adjusters to document damages with detailed notes, photos, and diagrams. Its estimating features enable precise cost assessments, ensuring accurate settlements for policyholders.

Xactimate: Xactimate’s strength lies in its powerful estimating features. With access to a vast database of material and labor costs, adjusters can create detailed, professional estimates that comply with industry standards, improving transparency and consistency in claims.

Integration with Insurance Carriers:

The ability to seamlessly integrate with insurance carriers is crucial for public adjusters, as it streamlines communication and expedites the claims process.

Symbility: Symbility’s integration capabilities allow adjusters to collaborate with insurance carriers in real time, reducing delays and enhancing overall efficiency in claims handling.

Xactimate: Xactimate’s widespread use within the insurance industry makes it a preferred choice for many carriers. Its compatibility with various carrier systems ensures smoother communication and faster approvals.

Mobile Functionality:

The modern landscape demands mobility, and both Symbility and Xactimate recognize the importance of on-site claim handling.

Symbility: Symbility’s mobile app enables public adjusters to collect data on-site, capture photos, and generate reports instantly. This agility ensures quick assessments, reducing the time between claim submission and resolution.

Xactimate: Xactimate also offers a mobile solution, allowing adjusters to access their estimates and data remotely. This feature facilitates smooth communication with carriers and other stakeholders during fieldwork.

Reporting and Documentation:

Clear and professional documentation is crucial for public adjusters to effectively present their findings and support their claims.

Symbility: Symbility’s reporting tools help public adjusters generate detailed and visually appealing reports. These reports can include photos, diagrams, and comprehensive notes, enhancing communication with policyholders and carriers.

Xactimate: Xactimate’s reporting capabilities ensure that adjusters can present consistent and standardized estimates to insurance companies, facilitating better understanding and faster claim processing.

Cost and Affordability:

Considering the financial aspect is essential for public adjusters, as they need to ensure that the chosen software aligns with their budget and needs.

Symbility: Symbility’s pricing structure varies based on the scope of usage, making it suitable for public adjusters of different scales. Its cloud-based nature eliminates the need for costly installations and updates.

Xactimate: Xactimate’s pricing model may be higher compared to some alternatives. However, widespread industry acceptance and comprehensive features justify the investment for many public adjusters.

Why You Should Use Both?

While Symbility and Xactimate each offer unique advantages, utilizing both platforms in conjunction can create a synergistic effect that significantly benefits public adjusters. Here are some additional reasons why the combination of Symbility and Xactimate can be a game-changer for handling insurance claims:

  • Optimized Workflow Integration: Integrating Symbility and Xactimate into your workflow allows for seamless data exchange between the two systems. As a result, public adjusters can effortlessly transition from documenting property damages in Symbility to generating precise cost estimates in Xactimate. This streamlined approach minimizes manual data entry, reduces errors, and expedites the claims process.
  • Improved Claim Accuracy: Public adjusters can ensure a higher level of claim accuracy by using Symbility for scope management and Xactimate for estimating. Symbility’s detailed documentation and visual aids help in accurately capturing property damages, while Xactimate’s vast database of materials and labor rates ensures precise cost calculations. The combination reduces the risk of underestimating or overestimating the claim, leading to fairer settlements for policyholders.
  • Enhanced Collaboration: Symbility and Xactimate are widely recognized and utilized within the insurance industry, making them common platforms for carriers, contractors, and other stakeholders. By adopting both software solutions, public adjusters align themselves with industry standards, facilitating better communication and collaboration with insurance companies. This compatibility fosters smoother interactions and quicker approvals, ultimately accelerating claim resolution.
  • Adaptability to Carrier Requirements: Different insurance carriers may have preferences or requirements regarding estimating software. Some carriers may primarily use Xactimate, while others may prefer Symbility. By being proficient in both platforms, public adjusters can cater to a broader range of carrier preferences, increasing their appeal to potential clients and widening their scope of business opportunities.
  • Mitigating Software Limitations: No single software can provide a one-size-fits-all solution for every claim scenario. While Symbility excels in scope management and collaboration, Xactimate’s strength lies in precise estimating. By combining both tools, public adjusters can overcome any limitations posed by individual software, offering comprehensive and well-rounded services to policyholders.
  • Future-Proofing Your Expertise: The insurance industry continuously evolves, and new software innovations may emerge. By becoming proficient in both Symbility and Xactimate, public adjusters demonstrate their adaptability and willingness to embrace technological advancements. This future-proofs their expertise and positions them as valuable assets in an ever-changing industry.


In conclusion, Symbility and Xactimate are robust software solutions catering to public adjusters’ needs. Each has unique strengths, and understanding their differences is vital for making an informed choice. Public adjusters should carefully assess their requirements, budget, and workflow preferences to determine whether using one or both platforms is optimal for enhancing their efficiency and effectiveness in handling insurance claims. By adopting these cutting-edge tools, public adjusters can continue to provide valuable support to policyholders and contribute to a smoother claims process in the insurance industry.

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