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    Business & Estimating · Overhead & profit

    Xactimate and General Contractor Overhead & Profit: A Plain-Language Analysis

    StormProEstimating

    A North Carolina public adjuster's argument that Xactimate line pricing is subcontractor-level, so a prime contractor's overhead and profit must be added at the estimate level regardless of trade count. Written for restoration contractors arguing O&P with carriers.

    Source: StormPro Public Adjusters LLC — Ron Hicks · Industry publication · 2026

    • overhead and profit
    • general contractor O&P
    • Xactimate pricing
    • three trade rule
    • prime contractor markup
    • subcontractor pricing
    • restoration estimate
    • supplement argument
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