Insurance restoration contracting is one of the most operationally complex businesses in the trades. You are simultaneously managing emergency response logistics, carrier negotiations, adjuster relationships, Xactimate scope documentation, supplement requests, and reconstruction schedules — often across dozens of active claims at once. Generic field service software handles scheduling and invoicing, but it was not built for the specific workflow of carrier-based reimbursement, and the gaps cost money.

This guide focuses on what insurance restoration software actually needs to do, covers the five platforms restoration contractors most commonly evaluate, and explains where AI is starting to change the estimation and documentation workflow.

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What Makes Insurance Restoration Different
Most contractor software assumes you price the job, the customer agrees, and you get paid. Insurance restoration inverts that model in three ways. The price is negotiated with a third party. Your estimate goes to an adjuster, not a homeowner. The adjuster has their own estimate, usually in Xactimate, and the two numbers rarely match. Your software needs to produce documentation that holds up in that negotiation — specific line items, quantities, unit prices, and photo evidence — not just a proposal that looks good to a consumer. You are billing to a claim number, not a customer. Every job has a carrier, a policy number, a claim number, and often a TPA (third-party administrator) between you and payment. If your software tracks jobs by client name only and can't record claim metadata, you're managing that information in spreadsheets alongside the software — which creates gaps and errors. The scope changes after you start. Demo reveals hidden damage that wasn't visible in the initial scope. A water loss turns into mold. The adjuster approves $14,000 and you uncover a further $8,000 in structural damage behind the drywall. The supplement workflow — discovering additional damage, documenting it with photos and measurements, writing the request, submitting it, and tracking the response — is as important as the original estimate. Software that can't handle supplements as a first-class workflow creates administrative overhead on every claim.
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Core Requirements for Restoration Software Xactimate compatibility or export. Most carriers require estimates in Xactimate format. Software that cannot produce an Xactimate-ready line-item format, or export in a format compatible with Xactimate import, forces double-entry. You either build the estimate in Xactimate and manually re-enter it in your job management system, or you skip the documentation step entirely. Supplement tracking. Each supplement needs a status: submitted, pending adjuster response, approved, rejected, disputed. You need to know which supplements are aging (no response in 14 days), which have been approved but not paid, and which require escalation. This is a separate workflow from the original estimate. Mitigation documentation. Water and fire mitigation jobs require drying logs, moisture readings, equipment placement records, and IICRC documentation. These are separate from the reconstruction estimate and need to survive as a permanent record attached to the claim. Photo documentation per claim. Every field photo needs to attach to the correct job and ideally be automatically organized by date and category (pre-demo, during demo, post-repair). Photos taken from a mobile app in the field should sync to the job record without manual file management. Claim metadata. Carrier, policy number, claim number, adjuster name, adjuster contact, TPA if applicable, date of loss, estimate submission date, approved amount, supplements submitted, final settlement — all as structured fields on the job record, not notes in a text box.
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Top Insurance Restoration Software in 2026

1. Xactanalysis — Carrier's Platform, Contractor's Workflow Price: Included with Xactimate subscription (~$99–$199/month) | Best for: Restoration contractors on carrier preferred vendor networks
Xactanalysis is Verisk's contractor-facing side of the Xactimate ecosystem. Carriers assign work orders through the platform, contractors accept them, build the Xactimate estimate, and submit back through the same system. If you are on a preferred vendor network with a major carrier — State Farm, Allstate, USAA, Farmers — significant claim volume flows through this channel.
The workflow is entirely carrier-centric: you receive assignments, estimate in Xactimate, submit, get feedback, and track payment within the Verisk ecosystem. For contractors whose revenue is primarily carrier-assigned work, this is the primary operational platform. Where it falls short: Xactanalysis is a claim management platform, not a business management platform. No CRM for self-sourced jobs, no invoicing for non-insurance work, no marketing tools, no lead management. Contractors who do both insurance and retail work end up managing two completely separate systems. Supplement tracking exists but is adjuster-centric — designed for the carrier's workflow, not the contractor's.
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2. Dash (formerly ReSolve) — Built for Restoration Operations Price: $200–$400/month | Best for: Mid-size restoration companies (5–20 employees) doing primarily water and fire mitigation
Dash is purpose-built for restoration contractors. It handles the full workflow from emergency response dispatch through mitigation documentation, reconstruction estimate, supplement requests, and payment. The mitigation module includes equipment tracking, daily moisture logs, psychrometric calculations, and drying documentation that meets IICRC S500 standards — the specific documentation carriers require for drying scope approval.
The claim management workflow is more contractor-centric than Xactanalysis: you track your own supplement submissions, adjuster communication history, and payment status without depending on the carrier's system. The mobile app supports field crews doing equipment placement, moisture readings, and photo documentation with everything syncing to the job record in real time. Where it falls short: Expensive for smaller operations. The learning curve is steep. Customer-facing features are thin — the platform is built for adjuster communication, not homeowner communication. If you are an owner-operator doing fewer than 10 claims per month, the implementation overhead is hard to justify.
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3. Jonas Restoration — Enterprise Restoration Operations Price: Custom pricing, typically $400–$800+/month | Best for: Large restoration companies ($3M+) needing full ERP integration
Jonas is the full-stack ERP for large restoration operations: estimating, project management, job costing, accounting integration, equipment tracking, inventory, payroll, and business reporting in one system. At scale, having everything in one system eliminates the data silos that cost margin — when your project management, accounting, and estimating data are all in the same database, job profitability reporting actually reflects reality. Where it falls short: The cost and implementation timeline (60–120 days) are prohibitive for most independent restoration contractors. The interface is dated. AI tools don't exist. For a company doing $500K–$2M in revenue, Jonas is too much infrastructure.
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4. Jobber — Best General Operations for Smaller Restoration Price: $169/month (Connect) | Best for: Smaller restoration contractors ($500K–$1.5M) who need scheduling, client communication, and invoicing
Many smaller restoration contractors — particularly those doing primarily water mitigation and reconstruction without complex supplement workflows — use Jobber for its clean scheduling, client communication, and invoicing. The mobile app works in the field, the client portal handles payment, and the QuickBooks sync keeps accounting current. Where it falls short: No claim-specific fields. No supplement tracking. No mitigation documentation module. No Xactimate export. For contractors whose primary revenue is insurance work, Jobber is missing the specific tools the job requires. It works as a business operations layer if your Xactimate estimating happens elsewhere and you use Jobber only for scheduling and billing.
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5. Ontrakt — AI-Powered Estimation and Lead Response for Restoration Price: Free beta at ontrakt.com/beta | Best for: Restoration contractors who want AI-powered photo estimates and fast retail/insurance lead response
Ontrakt approaches the restoration workflow from the estimation and lead response side. The core capability is AI-powered photo analysis — upload photos of water damage, fire damage, or mold, and the system identifies the scope, flags additional damage, and generates a structured line-item estimate.
For restoration contractors, this matters in two specific scenarios: Retail estimates before insurance involvement. Not every restoration job starts with an insurance claim. Homeowners with high deductibles, non-covered losses, or cash-pay work need contractor estimates. Ontrakt generates those estimates from photos faster than any other workflow, which improves close rates on self-pay work. Documenting additional damage for supplements. When field crews uncover hidden damage, photos uploaded to Ontrakt generate structured line items that can be used to support supplement requests. The documentation is faster and more systematic than crews writing field notes. The honest limitation: Ontrakt does not have carrier integration, Xactimate export, or mitigation drying logs. For the full insurance restoration workflow, it is a complement to a platform like Dash or Xactanalysis rather than a replacement. The free beta makes testing it essentially zero-cost.
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Honest Comparison
| Feature | Xactanalysis | Dash | Jonas | Jobber | Ontrakt |
|---|---|---|---|---|---|
| Xactimate Integration | Native | Yes | Yes | No | No |
| Claim Tracking | Yes | Yes | Yes | No | Partial |
| Supplement Workflow | Adjuster-centric | Yes | Yes | No | Photo support |
| Mitigation Drying Logs | No | Yes | Yes | No | No |
| IICRC Documentation | No | Yes | Yes | No | No |
| AI Photo Estimates | No | No | No | No | Yes |
| CRM / Lead Management | No | Basic | Yes | Yes | Yes |
| Invoicing | Carrier only | Yes | Yes | Yes | Yes |
| Starting Price | ~$99/mo | ~$200/mo | $400+/mo | $169/mo | Free beta |
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Supplement Tracking: Where Money Is Lost
The most consistent source of margin leakage in insurance restoration is untracked supplements. A large claim will generate 2–5 supplements over its lifecycle — additional damage from demo, code upgrades, price list corrections, O&P disputes. Each supplement is a separate submission-and-response cycle that can take 2–6 weeks to resolve.
Restoration contractors who track supplements in email or a spreadsheet frequently miss:
Supplements that were submitted but never acknowledged
Supplements pending response for more than 14 days with no follow-up
Supplements that were partially approved and the difference was never disputed
Final payment that didn't include approved supplement amounts
Good restoration software makes supplement status visible at a glance. Every supplement should have a submitted date, expected response date, adjuster contact, and current status. Aging supplements should surface automatically — not require a weekly spreadsheet review.
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Mitigation Documentation and IICRC Standards
Water damage restoration documentation follows IICRC S500 standards. Carriers use these standards to validate drying scope and authorize payment for mitigation equipment. The documentation requirements are specific: Category classification. Category 1 (clean water), Category 2 (gray water), Category 3 (black water/sewage) determines scope, disposal requirements, and personnel protection. Category classification affects everything downstream — the wrong category designation can result in a scope dispute. Class classification. Class 1–4 reflects evaporation demand. Class 3 (wet walls, ceilings, insulation) and Class 4 (materials with low permeance) require more equipment and longer drying times. Documentation must support the class designation. Daily psychrometric data. Temperature, relative humidity, specific humidity, and grains per pound readings at each monitoring point, every day the equipment is running. Carriers use these logs to validate that equipment was necessary and running for the duration billed. Equipment inventory. Serial number, placement location, and daily runtime for every dehumidifier and air mover. Some carriers require GPS location of equipment for large losses.
Software that generates printable IICRC-compliant drying reports from field crew data entry eliminates hours of administrative work per claim and reduces the frequency of mitigation billing disputes.
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Choosing the Right Platform Solo operator, under $750K revenue, primarily water/fire restoration: Start with Dash if you want restoration-specific tools. Jobber if your primary pain is scheduling and billing and you can manage Xactimate separately. Don't try to force generic software to handle supplement tracking — you will manage it in a spreadsheet and lose track of money. Growing operation, 5–20 employees, $1M–$3M revenue: Dash is the best fit for this tier. It handles the specific operational complexity of restoration without the cost and implementation burden of enterprise systems. Enterprise restoration company, $3M+: Jonas or similar ERP gives you the job costing, equipment tracking, and financial reporting that matter at scale. The implementation is an investment that pays back in margin visibility. Restoration contractor with significant retail side business: Ontrakt for retail estimates and lead response, Xactanalysis or Dash for insurance work. The two are complementary rather than competing — the AI photo estimating and lead response tools serve the non-insurance workflow that carrier-centric platforms ignore.
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The insurance restoration business rewards operators who are fast, documented, and persistent on supplement recovery. The contractors with the best margins are not necessarily doing the most claims — they're the ones tracking every supplement, documenting every scope change, and collecting every dollar of approved scope. Software that makes that systematic instead of manual is where the ROI lives. Start your free trial at ontrakt.com/beta

Best Insurance Restoration Contractor Software in 2026 — Xactimate, Supplements & Job Management

Top Insurance Restoration Software in 2026

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