# capout.ai

> AI-optimized mirror of capout.ai containing 50 pages totalling 42,516 words of clean markdown content, structured data, and semantic HTML. Original source: https://capout.ai. Last updated: 2026-08-08T07:52:49.928Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [CapOut - Convert any PDF to ESX in seconds](/content/site-root.html): Upload an insurance PDF. CapOut parses the data, shows your profit, builds material orders, and exports an ESX directly to your Xactimate account., , Compare CapOut Pay, Pro, and Enterprise plans. (1,535 words)

## Articles & Blog Posts

- [Damage Assessment Guides | CapOut](/content/resources/damage-guides/index.html): Expert guides for identifying, documenting, and supplementing property damage. Hail, wind, water, fire, smoke, and ice damage assessment for insurance restoration professionals. (1,514 words)
- [Labor Cost - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/labor-cost/index.html): Labor cost is the workforce component of every Xactimate line item, calculated per unit (per square for roofing, per square foot for siding, per linear foot for gutters). Labor rates are based on Verisk's regional pricing databases, which are updated monthly. (583 words)
- [O&P (Overhead and Profit) - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/overhead-and-profit/index.html): Overhead and Profit (O&P) is a 20% markup (10% overhead + 10% profit) added to an insurance estimate when a general contractor manages multiple trades on a single claim. O&P is built into Xactimate as an industry-standard calculation and is supported by most state insurance departments. (530 words)
- [Guides | CapOut](/content/resources/blog/index.html): In-depth guides on Xactimate certification, insurance claims, depreciation, and estimating workflows for contractors and adjusters. (1,224 words)
- [Policy Limits - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/policy-limits/index.html): Policy limits are the maximum amounts an insurance policy will pay for a covered loss. Dwelling coverage, contents, other structures, and loss of use each have separate, independent limits listed on the declarations page. (577 words)
- [Line Items - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/line-items/index.html): Line items are individual entries in an Xactimate estimate, each representing a specific material, labor task, or service with a selector code, description, quantity, unit of measure, and price from the Verisk regional database. A typical residential roofing estimate contains 30-50 line items. (568 words)
- [Policyholder - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/policyholder/index.html): The policyholder is the person or entity named on the insurance policy. In residential restoration, the policyholder is the homeowner and is the only party with legal standing to file, manage, or authorize actions on an insurance claim. (549 words)
- [Production Orders - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/production-orders/index.html): Production orders are documents generated from an Xactimate estimate that list the specific materials, quantities, and labor tasks needed to complete a job. Production orders translate the insurance estimate into actionable work instructions for crews and suppliers. (548 words)
- [Macros - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/macros/index.html): Macros are pre-built sequences of line items in Xactimate that are inserted into an estimate with a single command. Macros reduce estimate creation time from approximately 3 hours to 45 minutes for a standard residential re-roof. (588 words)
- [Software Comparisons | CapOut](/content/resources/compare/index.html): Side-by-side comparisons of roofing and construction estimating software. See how the top tools stack up for your workflow. (797 words)
- [Adjuster - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/adjuster/index.html): An adjuster is a licensed professional who inspects property damage and writes or reviews estimates for an insurance claim. Adjusters are classified into three types: staff adjusters (carrier employees), independent adjusters (contracted during catastrophe events), and public adjusters (representing the policyholder). (561 words)
- [Insurance Carrier Directory | CapOut](/content/resources/directory/index.html): Browse 50+ insurance carriers. Find claims contact info, Xactimate compatibility, deductible types, and practical tips for filing and supplementing property claims with each carrier. (546 words)
- [Adjuster Licensing Requirements by State | CapOut](/content/resources/adjuster-licensing/index.html): State-by-state adjuster licensing requirements for public adjusters and independent adjusters. Fees, CE requirements, reciprocity, and application links. (429 words)
- [ESX File - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/esx-file/index.html): An ESX file is the native project file format for Xactimate, containing the complete estimate - including editable line items, pricing, sketch data, photos, and notes. ESX is the required format for submitting estimates through XactAnalysis to insurance carriers. (638 words)
- [Non-Recoverable Depreciation - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/non-recoverable-depreciation/index.html): Non-recoverable depreciation is depreciation that cannot be claimed back under any circumstances. Non-recoverable depreciation applies under ACV-only policies (where the insurer pays only the depreciated value) or when the carrier determines a specific component has exceeded its useful life. (527 words)
- [Ice Dam Damage - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/ice-dam-damage/index.html): Ice dam damage is structural and interior damage caused when ice accumulates at the roof edge, preventing snowmelt from draining and forcing water under the shingles and into the building structure. Ice dam claims are among the most frequently denied claim types in residential insurance. (637 words)
- [Material Order - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/material-order/index.html): A material order is the process of ordering specific construction materials from a supplier based on the approved Xactimate estimate. Material order accuracy is critical for preventing job-site delays and ensuring materials match what the carrier approved and will pay for. (598 words)
- [Mold Damage - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/mold-damage/index.html): Mold damage is property damage caused by mold growth, typically following water intrusion that was not properly mitigated within 24-48 hours. Mold coverage is heavily restricted or excluded in most insurance policies, with many carriers capping coverage at $5,000-$10,000 regardless of actual remediation costs. (594 words)
- [Independent Adjuster - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/independent-adjuster/index.html): An independent adjuster (IA) is a claims adjuster who works on contract for the insurance carrier rather than as a direct employee. Independent adjusters are typically deployed during catastrophe events when the carrier's staff adjusters cannot handle the claim volume. (584 words)
- [Deductible - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/deductible/index.html): A deductible is the fixed dollar amount or percentage the policyholder pays out of pocket before insurance coverage applies. The deductible is subtracted from the first ACV payment, not from the depreciation release. (490 words)
- [Dwelling Coverage - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/dwelling-coverage/index.html): Dwelling coverage (Coverage A) is the portion of a homeowner's insurance policy that covers damage to the physical structure of the home - including the roof, walls, foundation, and built-in appliances. Dwelling coverage has its own limit, separate from contents, other structures, and liability. (570 words)
- [Dry-In - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/dry-in/index.html): Dry-in is the roofing construction step between tear-off and final installation in which the exposed deck is protected with underlayment (synthetic felt or ice and water shield) to prevent water intrusion. Dry-in is a separate billable step with its own Xactimate line items. (592 words)
- [Loss of Use - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/loss-of-use/index.html): Loss of use (Coverage D) is the insurance coverage that pays for a policyholder's additional living expenses when their home is uninhabitable during covered repairs. Loss of use is a separate coverage from the property repair estimate, with its own limit typically set at 20-30% of dwelling coverage. (620 words)
- [Holdback - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/holdback/index.html): Holdback is the industry term for recoverable depreciation - the portion of the insurance claim that the carrier withholds until the policyholder completes repairs and submits proof of completion. Holdback, depreciation holdback, and recoverable depreciation are used interchangeably. (547 words)
- [Fire Damage - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/fire-damage/index.html): Fire damage is property damage caused by fire, including structural damage from flames, smoke damage throughout the property, and water damage from firefighting efforts. Fire claims are among the most complex and highest-value residential restoration claims, typically involving 8-10 trades. (604 words)
- [Industry Certifications for Restoration Professionals | CapOut](/content/resources/certifications/index.html): Browse certifications for insurance restoration professionals. Prerequisites, exam details, costs, and career relevance for each certification. (798 words)
- [Claims Process - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/claims-process/index.html): The claims process is the end-to-end sequence from damage event to final payment, consisting of: first notice of loss (FNOL), adjuster inspection, scope of loss, initial ACV payment, repair work, supplement filing, depreciation release, and final settlement. The average residential claim takes 30-90 days to settle. (568 words)
- [Denied Claim - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/denied-claim/index.html): A denied claim is an insurance claim that the carrier has rejected entirely, refusing to issue any payment. A denial is not the final outcome - it is the starting point for appeals, supplements with stronger documentation, public adjuster involvement, or the appraisal process. (628 words)
- [Hail Damage - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/hail-damage/index.html): Hail damage is property damage caused by hailstones to roofing, siding, gutters, HVAC units, and other exposed surfaces. Hail is the number one driver of residential property insurance claims in the United States, with annual insured losses averaging $10-14 billion (Insurance Information Institute). (609 words)
- [Assignment of Benefits (AOB) - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/assignment-of-benefits/index.html): Assignment of Benefits (AOB) is a legal agreement in which the policyholder transfers their insurance claim rights to a third party - typically the contractor or restoration company - allowing that party to file claims, negotiate, and collect payment directly from the carrier. (576 words)
- [Code Upgrade - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/code-upgrade/index.html): A code upgrade is repair work required to bring damaged property up to current building codes (IRC, IBC, or local amendments), even if the pre-loss condition did not meet those codes. Code upgrades are covered under most insurance policies but are frequently disputed by carriers as betterment. (608 words)
- [Carrier - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/carrier/index.html): A carrier is the insurance company that underwrites the homeowner's policy, collects premiums, evaluates claims, and issues payments. In the restoration industry, 'carrier' is the standard term for the insurer - whether State Farm, Allstate, USAA, Travelers, or any other property insurance company. (562 words)
- [Depreciation - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/depreciation/index.html): Depreciation is the reduction in value of property due to age, wear, and condition. In insurance claims, depreciation is calculated per line item in Xactimate based on each component's specific age and expected useful life - not as a flat percentage across the entire claim. (597 words)
- [Categories (Xactimate) - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/categories-xactimate/index.html): Categories in Xactimate are the organizational structure that groups line items by trade or work area - including roofing (RFG), exteriors (EXT), plumbing (PLM), electrical (ELC), painting (PNT), and interior (INT). Category assignment directly affects O&P calculations and XactAnalysis review outcomes. (522 words)
- [First Notice of Loss (FNOL) - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/first-notice-of-loss/index.html): First Notice of Loss (FNOL) is the initial report a policyholder files with their insurance carrier after property damage occurs. FNOL triggers the claims process, assigns a claim number, and starts the clock on all claim-related deadlines including supplement filing windows and depreciation recovery periods. (610 words)
- [Bad Faith Claim - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/bad-faith-claim/index.html): A bad faith claim is a legal action filed against an insurance carrier for unreasonably denying, delaying, or underpaying a valid insurance claim in violation of its contractual duty to act honestly toward the policyholder. (541 words)
- [Appraisal Clause - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/appraisal-clause/index.html): An appraisal clause is a provision in most property insurance policies that allows either the policyholder or the carrier to invoke a formal, binding appraisal process when they disagree on the value of a covered loss. (497 words)
- [Roofing Components Encyclopedia | CapOut](/content/resources/roofing-components/index.html): Browse roofing components including flashing, shingles, underlayment, vents, gutters, and more. Specs, common issues, and insurance claim relevance for restoration professionals. (561 words)
- [Appraiser - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/appraiser/index.html): An insurance appraiser is a professional appointed by either the policyholder or the carrier during the appraisal process to independently assess the value of a disputed insurance claim by comparing damage estimates and repair costs line by line. (482 words)
- [Additional Living Expenses (ALE) - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/additional-living-expenses/index.html): Additional Living Expenses (ALE) is the insurance coverage that pays the difference between a policyholder's normal living costs and the inflated costs of living elsewhere while their home is uninhabitable during covered repairs. (483 words)
- [Betterment - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/betterment/index.html): Betterment is a charge applied by the insurance carrier when repairs result in an upgrade over the property's pre-loss condition, such as code-required materials that did not exist on the original structure. Betterment is frequently disputed when the upgrade is mandated by current building code. (583 words)
- [GAF vs Owens Corning Shingles: Honest Comparison | CapOut](/content/resources/compare/gaf-vs-owens-corning/index.html): A side-by-side comparison of GAF and Owens Corning asphalt shingles covering product lines, warranties, contractor programs, and performance in insurance claims. (1,174 words)
- [ACV (Actual Cash Value) - Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/actual-cash-value/index.html): Actual Cash Value (ACV) is the current real-world value of damaged property, calculated by subtracting depreciation from the Replacement Cost Value (RCV). ACV determines the first check the homeowner receives on an insurance claim. (542 words)
- [What AI Says About CapOut | CapOut](/content/resources/ask-ai/index.html): See what ChatGPT, Perplexity, and Claude say when asked about PDF-to-ESX conversion and insurance estimating tools. Try these prompts yourself. (244 words)
- [Free Insurance Restoration Tools | CapOut](/content/resources/tools/index.html): Free calculators and utilities for insurance restoration professionals. Calculate recoverable depreciation, ACV, O&P, roofing squares, material waste, and more. (318 words)
- [Resources | CapOut](/content/resources/index.html): CapOut docs, guides, glossaries, and tools for insurance restoration professionals. Learn implementation details, claims workflows, and estimating best practices. (247 words)
- [Insurance & Xactimate Glossary | CapOut](/content/resources/glossary/index.html): Search every insurance restoration and Xactimate term. Definitions, FAQs, and practical context written for contractors and adjusters. (12,244 words)
- [Get Started with CapOut + Xactimate Integration](/content/get-started/index.html): Set up the CapOut and Xactimate integration. Convert insurance scope PDFs and export directly to your Xactimate account., Embedded upload frame for initial PDF intake., Embedded upload frame for initial PDF intake. (573 words)

## Listings & Categories

- [Matt Fruge — Founder and Chief Executive Officer, CapOut | CapOut](/content/author/matt-fruge/index.html): Matt Fruge is the Founder and CEO of CapOut, an AI-powered platform that converts insurance scope PDFs into ESX files, production orders, and profit analysis fo (399 words)

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