Essential Software for Writing Detailed Loss Reports

Writing accurate and detailed loss reports is a crucial part of a property insurance adjuster’s job. A well-prepared report provides clear documentation of damages, policy coverage, and settlement recommendations, helping insurance companies make informed decisions. 

To streamline this process, adjusters rely on specialized software that improves efficiency, accuracy, and compliance. 

Here’s a look at the essential software tools that every adjuster should consider using when writing detailed loss reports.

1. Xactimate – Industry-Standard Estimating Software

Xactimate is the most widely used software for property damage estimating. It allows adjusters to generate detailed estimates based on industry pricing, ensuring consistency and accuracy across claims.

Key Features:

• Pre-loaded pricing for labor and materials, updated regularly

• 3D sketching tools for creating precise floorplans

• Integration with claims management platforms

• Mobile app for field estimating

Why It’s Essential:
Xactimate’s standardized pricing and estimating tools make it indispensable for adjusters handling property claims. Without it, producing detailed and accepted estimates becomes much more challenging.

2. Simsol – Alternative Estimating Software

While Xactimate is the industry leader, Simsol is another powerful estimating tool. It offers similar capabilities but with a more user-friendly interface and lower subscription costs.

Key Features:

• Digital estimating and invoicing tools

• Mobile field inspections

• Water mitigation estimating module

Why It’s Essential:
For adjusters who prefer an alternative to Xactimate, Simsol provides a reliable and cost-effective option without sacrificing key estimating functions.

3. Symbility – Cloud-Based Estimating

Symbility is another loss estimating tool used primarily by insurance carriers. It offers a cloud-based platform, making collaboration easier between adjusters, contractors, and insurance companies.

Key Features:

• Cloud storage for estimates and reports

• Integration with claims management systems

• Drag-and-drop sketching tools

Why It’s Essential:
Adjusters who work with carriers using Symbility may need to be proficient with this software to ensure seamless collaboration and efficient claims processing.

4. Encircle – Field Documentation and Reporting

Accurate documentation is the backbone of any loss report, and Encircle simplifies this process with its intuitive photo and report management tools.

Key Features:

• Capture and organize photos, videos, and notes

• Generate professional reports with embedded media

• Mobile-friendly for on-site use

Why It’s Essential:
Using Encircle, adjusters can document losses in real-time, reducing errors and speeding up report creation.

5. Matterport – 3D Imaging for Detailed Inspections

Matterport is a game-changer for adjusters who want to create highly detailed, 3D scans of damaged properties.

Key Features:

• 3D walkthroughs for remote claims review

• Accurate room measurements

• Easy file sharing with insurers and contractors

Why It’s Essential:
With Matterport, adjusters can provide highly detailed evidence that reduces disputes and improves claims accuracy.

6. Microsoft OneNote – Organized Report Writing

For keeping track of claim notes, photos, and key details, Microsoft OneNote is a great tool.

Key Features:

• Digital notebook for organizing claim files

• Syncs across devices

• Searchable notes for easy reference

Why It’s Essential:
Using OneNote ensures adjusters have all their notes in one place, making report writing faster and more organized.

The right software can streamline the claims process, improve report accuracy, and save valuable time. Whether it's Xactimate for estimating, Encircle for documentation, or Matterport for 3D imaging, leveraging these tools will make loss reporting more efficient and professional.