Xactimate Window Line Items Explained — Reading the Adjuster's Lines
The adjuster's estimate came back as twelve pages of codes, quantities and three columns of numbers, and you need to know whether it covers all twenty-two windows.
Reply within one business day. Or call / text 763-204-2099.
Xactimate window line items explained: each line on the adjuster's estimate is one action on one kind of item. R&R means remove and replace, D&R means detach and reset, and the unit (each, linear foot, square foot) sets the count. Columns show replacement cost, depreciation and actual cash value. JMB Builders reads the estimate against the house opening by opening and shows you what matches, what is missing and what is different. Twin Cities metro.
- R&R = remove and replace; D&R = detach and reset
- Check the count and size on every window line
- RCV minus depreciation equals the first check
Many insurers write property estimates in Xactimate, a common estimating program, and the result reads like a parts list. Each line is one action on one item, grouped by room or by side of the house: remove and replace a vinyl window of a size range, detach and reset a screen, wrap a window with aluminum capping by the linear foot, mask and protect, haul debris. A line has a quantity and a unit, a unit price, and then the columns that matter for your checks: replacement cost value, depreciation and actual cash value.
On a claim with twenty or thirty windows, the questions are simple and the answers are buried. Is every damaged opening on it, on the right wall? Is the size range right, or is a large picture window written as a small one? Is it a whole window where the sash is split, or glass only? Are the screens there? Is the interior casing and stool that has to come off on the list? Is the capping or exterior trim on the lines for that opening? Is there a line for access on the second floor, and for the permit?
We read the estimate against our own numbered log of the house and mark each line: matches, missing, wrong size, wrong repair. You get a short list you can take to your insurer. We do not negotiate the claim or argue coverage; that is between you, your insurer and, if you choose one, a licensed public adjuster. We explain the estimate and do the repair.
Get a written quote for this job
Three photos and a sentence is enough: a reply within one business day, or ask for a free in-home estimate. Or text the photos to 763-204-2099.
What you supply
- The adjuster's full estimate, every page, including the summary page
- Your claim number and the storm date
- Any letter that came with it explaining what was left off
- Access to the house so each line can be checked against the opening
What JMB supplies
- A line-by-line read of the window and door sections of the estimate
- A numbered log of the house to check each line against
- A short list: lines that match, openings missing, sizes off, repair type off
- Photos with scale for every opening on that list
- Our own line-item quote by opening, in an order easy to compare
- The repair once the scope is settled, priced per window
How it is priced: per project
Quoted in writing from your photos, with a reply within one business day. What moves the number:
- Number of openings on the claim
- Length of the estimate and how many trades are on it
- Openings that need a closer look: upper floor, porch, garage
- Whether we are also quoting the repair
Send the full estimate as a PDF with photos of each side of the house. We reply within one business day, or book a free in-home estimate.
How long it takes
Reading a many-window estimate against the house: part of one visit. The marked list comes with our quote.
How your project works
- 1
Send photos, get a written quote
Send three photos of the space and a sentence about what you want. You get a clear, itemized reply within one business day. Prefer a look in person? A free in-home estimate is always an option.
- 2
Pick materials, or bring your own
We help you choose profiles and materials that fit the house and the budget, or match your existing millwork exactly — or you buy the door or trim yourself and we install it. Everything is confirmed before the crew is scheduled.
- 3
Clean, precise installation
The crew shows up on time, protects floors and furniture, and installs with tight joints and consistent reveals. Photos of the finished work go in your job folder.
- 4
Walkthrough and invoice
We walk the finished work with you. If anything is not right, we fix it before we call the job done. Then one invoice, paid by check or direct deposit — no card fees, no payment links.
Situations and options
R&R (remove and replace)
A whole new item: the window, the sash, the screen. Check the size range, the material and the glass type match what is in the wall.
D&R (detach and reset)
Taken off and put back, not replaced: a screen, a storm window, a gutter in the way. Fine when the item is undamaged and comes off cleanly.
Units: EA, LF, SF
Each, linear foot, square foot. Windows are usually each; capping and trim by the linear foot; glass sometimes by the square foot. A wrong unit is a wrong count.
RCV, depreciation, ACV
Replacement cost, the amount held back for age, and what is paid first. Whether depreciation comes back after the work is set by your policy.
Xactimate Window Line Items Explained — Reading the Adjuster's Lines: questions, answered
What does R&R mean on an insurance window estimate?
Remove and replace. The old item comes out and a new one goes in, with the labor to do it. On a window line, check that the size range, material and glass type match the window in your wall, and that the quantity matches the number of damaged openings on that side of the house.
What is the difference between R&R and D&R on an adjuster's estimate?
R&R replaces the item with a new one. D&R, detach and reset, takes the existing item off and puts it back, used for things in the way of the repair that are not damaged, like a screen or a storm window. If a D&R item is actually damaged, it should be R&R.
How do I read the window section of an adjuster's estimate?
Go line by line with a numbered list of your windows beside you. For each line, check which wall or room it is for, the quantity, the unit, the size and the action. Then look for what should be with each window: screen, capping or exterior trim, interior casing and stool, and any access for the upper floor. Mark what is missing.
Why are there three columns of numbers on my insurance estimate?
Replacement cost value is what the line costs new. Depreciation is the amount held back for age and condition. Actual cash value is the difference, usually the first check. Whether you get the depreciation back after the work is done depends on your policy; check it and ask your agent.
Does every insurance company use Xactimate?
Many do and some use other programs, but the logic is the same: one line per action per item, with a quantity, a unit and a price. If the format is different, the same questions apply: is every opening there, at the right size, with the right repair.
Will you argue with my insurance company over the estimate?
No. We read the estimate against the house, mark what is missing or different and give you photos and a line-item list to send. You talk to your insurer. Negotiating a claim on your behalf is what a licensed public adjuster does.
Recent JMB work, from our job log
59 installs recorded across 30 Twin Cities communities since Dec 2025. Window and door installs for homeowners and the builders we work with. Counts come straight from our job log; no customer names.
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Read morePage reviewed October 9, 2026 · JMB Builders LLC, MN license BC809005 · All insurance repairs pages
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