I stopped using XM at version 24, and went back to--
craftsman-book.com/products/inde ... x&cPath=49
I do not "negotiate" with adjusters. I present the individual unit/extended unit costs to them, with a "Contractor-of-Choice" agreement, and go over the reconstruction details.
The (National Renovation & Insurance Repair Estimator) listed pricing is generally comparable to the typically AVERAGE construction costs listed in Xactimate, Simsol, PowerClaim, and MSB/IntegriClaim. It's core data is even referenced by Simsol, PowerClaim, and the online service, Symbility.
AD - I too had questions for the ISO / Xactimate pricing specialists, approximately 2 months ago. I'll try to dig up the correspondence.
(As a side point, be aware that Allstate Insurance is preaching that the prices listed in Xactimate is the ONLY price they will recognize in a given zip code). That corruption will be exposed as claims are progressively filed by Allstate, and channeled to the ISO.
Too, I believe (without a doubt) that pulling away from Xactimate helps ones to prove what major cost components are actually in roofing, guttering, siding, window, garage door, etc. systems, besides RCV / ACV calculations.
Residential / Commercial customers understand the transparent estimation details NRIRE provides, and that truly helps keep adjusters honest. I'm usually approximately 17-22% above XM's default AVERAGE costs, but can prove what is being deconstructed / reconstructed, thus justifying all reconstruction points.