← Mold Remediation Bid Calculator
This calculator vs. Xactimate
Two different shapes: Xactimate prices an insurance claim against a standardized, shared regional line-item list. This page is a free, private worksheet for one question — what should this remediation job cost, given its zones, demo, dry-out days, and access, before you quote it directly.
What each tool is for
Xactimate is line-item estimating software from Xactware, a company founded in 1986 and headquartered in Orem, Utah, acquired by ISO / Verisk in 2006. Insurance adjusters and restoration contractors use it to scope and price a covered loss — water, fire, mold, and similar claims — against a shared, regionally-priced list of standardized line items, so both sides of a claim can negotiate from the same reference prices. It is sold as an ongoing subscription account, and Xactware does not publish a fixed public price for it, so no dollar figure for Xactimate is invented here: only its well-documented identity and category — insurance-claim estimating software built around a shared regional price list — are stated, and no dollar amount for Xactimate appears on this page.
This calculator does none of what Xactimate does. It has no regional price list, produces no carrier-facing claim estimate, and stores no customer or claim record on a server. It takes job type (closet, bedroom, basement, or sewage-affected), affected square footage, extra containment zones over the included setup, demolition square feet, HEPA and dehumidifier days, third-party clearance testing, HVAC cleaning, a dumpster, occupied-home access, loaded wage, payroll burden, overhead, and target margin, and turns that into the walk-away price below which the job loses money, the price per square foot of affected area, and where the crew hours are actually going — plus a printable customer proposal with scope lines, a deposit split, a price-held date, and a signature block. It runs free in any browser, keeps no account, and uploads nothing you type.
| Question | Where to answer it |
|---|---|
| I'm scoping and pricing an insurance-covered loss and need to negotiate against a carrier's own price list. | Xactimate, or a comparable claims-estimating platform — that shared price list is not something this calculator has. |
| What should I charge a homeowner directly for this job, given its zones, demo, and dry-out days? | This calculator — free, instant, private, no account. |
| How much do a second containment zone, four dry-out days, or an occupied home actually add over a flat mold-special rate? | This calculator's zone, dry-out, and access line items, not a blended price. |
| Is the price I'm about to quote, or a claim supplement I'm about to submit, still above my walk-away cost for this job? | This calculator's walk-away price check. |
| I need a carrier-accepted estimate format for an insurance claim. | Xactimate, or a comparable claims-estimating platform. |
| How does the math behind a mold remediation bid actually work? | This calculator's own pricing walkthrough. |
| Do I need to create an account or sign up to use the tool? | This calculator: no. Xactimate is used through a subscription account. |
Many remediators get different value from each: Xactimate (or a comparable claims-estimating platform) for scoping and negotiating an insurance-covered loss against a carrier's shared price list, and a private calculator like this one for an instant, no-login answer to what one job should cost from its own zones, demo, and dry-out days — whether that job is retail, cash, or a supplement check before submitting a claim line. This page's own figures are a pricing model, not a claim estimate, an inspection, or a signed proposal, and neither this calculator nor Xactimate performs a mold protocol, a health assessment, or a clearance determination.
This tool needs no account and no sign-in: it is a static page, the arithmetic runs in your browser, and once it has loaded it keeps working with the connection off.
Common questions
Should I use this calculator or Xactimate?
They price different kinds of jobs. Xactimate is line-item estimating software from Xactware, a company founded in 1986 and based in Orem, Utah, acquired by ISO / Verisk in 2006. Insurance adjusters and restoration contractors use it to scope and price a covered loss against a standardized, regionally-priced list of line items that both sides can point to during a claim negotiation. It is sold as a subscription account, and Xactware does not publish a fixed public price for it, so no dollar figure for Xactimate is stated here — only its well-documented identity and category: insurance-claim estimating software built around a shared regional price list. This calculator does a narrower, different job: starting from job type, affected area, containment zones, demolition square feet, HEPA and dehumidifier days, clearance testing, HVAC cleaning, a dumpster, and occupied-home access, it turns that into the walk-away price below which the job loses money, the price per square foot of affected area, and where the crew hours actually go, plus a printable customer proposal with a deposit split and a price-held date. It runs free in any browser, keeps no account, and uploads nothing you type. A remediator scoping and negotiating an insurance-covered loss against a carrier's price list needs Xactimate or a comparable claims-estimating platform; a remediator pricing a retail, cash, or negotiated job directly with a homeowner — or checking a bid against their own labor and equipment costs before submitting a claim supplement — is in the right place here.
Is this page affiliated with Xactimate or Xactware?
No. This site is not affiliated with, endorsed by, or sponsored by Xactimate, Xactware, or Verisk. Xactimate is a trademark of its owner, named here only to describe what this calculator is and is not.
Open the Mold Remediation Bid Calculator to price your own job.