Question 1

Do you really bill my insurance directly?

Accepted Answer

Yes. For most covered losses, we invoice your insurance carrier directly after your claim is approved. You pay only your deductible. This works with every major carrier in Arkansas and with the overwhelming majority of regional providers too.

Question 2

What if my insurance denies the claim?

Accepted Answer

We advocate on your behalf first. Most 'denials' are actually under-scopes — the adjuster doesn't see the full extent of the damage. We produce thermal imaging data, moisture-mapping reports, and IICRC-certified technician opinions that often reverse these decisions. If it's a genuine denial (usually because the event was excluded, like flooding without flood insurance), we'll explain exactly why and discuss financing options.

Question 3

Do I have to use my insurance company's "preferred vendor"?

Accepted Answer

No. Under Arkansas law and your policy, you have the right to choose any licensed, qualified restoration contractor — regardless of carrier preference lists. We work with every carrier but answer only to you.

Question 4

What documentation do you provide for my claim?

Accepted Answer

Xactimate-format estimates (the industry standard adjusters use), thermal-imaging moisture maps of every affected area, daily drying logs with hygrometer readings, photo documentation from first visit through final walkthrough, and a complete written scope of work. Everything an adjuster needs and expects.

Question 5

How long do insurance claims usually take to pay?

Accepted Answer

For sudden, covered events with good documentation: typically 7–30 days from the adjuster's visit to initial payment. Complex claims involving structural damage or coverage disputes can run 45–90 days. We monitor the claim status and follow up on your behalf so payment doesn't stall.

Question 6

What if my claim gets underpaid?

Accepted Answer

We push back with evidence. Our scope, photos, and moisture data frequently reveal damage the original adjuster missed. If negotiation doesn't work, we can connect you with Arkansas-based public adjusters or claims attorneys who specialize in reversing underpaid losses.

Your claim paperwork, handled. You pay the deductible — we do the rest.

Four ways we make insurance claims easier.

Adjuster-ready documentation

Direct billing

Adjuster coordination

Claim advocacy

What Arkansas policies usually cover

What most policies don't cover

We bill your carrier directly.
You pay the deductible.

Every major Arkansas carrier — and plenty of regional ones.

Common insurance claim questions.

Don't wait. Every hour costs more.