ARC works directly with your insurance company — documentation, adjuster coordination, and direct billing. You focus on your family, we handle the claim.
Most homeowners only deal with a major insurance claim once or twice in their lives. We deal with them every day. We know what adjusters need to approve a claim, how to document damage to IICRC standards, and how to communicate with your insurer so nothing falls through the cracks.
We work for you — not the insurance company. Our job is to make sure your claim is fully documented and properly submitted, so you receive the coverage you're entitled to.
Call us the moment you discover damage — before you call your insurance company if possible. We'll dispatch immediately and begin documenting from the first minute on site. Early documentation protects your claim.
Our technicians photograph all damage, take moisture readings throughout the affected area, and create a complete moisture map. This documentation is the foundation of your claim and is formatted to meet adjuster and IICRC standards.
You notify your insurance company of the loss. We can walk you through what to say and what information to have ready. ARC's contact information goes directly on the claim so your insurer can reach us for documentation.
We communicate with the adjuster on your behalf — providing documentation, answering scope questions, and submitting the Xactimate estimate. You stay informed on every conversation that affects your claim.
Mitigation, drying, remediation, and reconstruction — documented at every stage. Daily drying logs and equipment reports are maintained throughout and provided with the final invoice.
Your insurance company pays ARC directly for covered work. You pay only your deductible. If there are any discrepancies between our estimate and the insurer's initial response, we work to resolve them — not you.
No — call ARC first. The sooner we're on site, the better we can document and limit damage. We'll help you understand what to report to your insurer once we've assessed the situation.
You have the right to choose your own contractor in Texas. You are not required to use an insurer-recommended contractor. ARC works directly with all major carriers.
Typically only your deductible for covered losses. ARC bills your insurance company directly for the covered scope. We'll be upfront about anything your policy may not cover before work begins.
All major carriers — State Farm, Allstate, USAA, Farmers, Travelers, Liberty Mutual, and others. If your carrier isn't listed, call us — we almost certainly work with them.
We work with adjusters regularly to reconcile scope differences. We document everything to IICRC standards so our estimates are defensible. We handle the back-and-forth so you don't have to.
That depends on your policy and insurer — it's a question for your agent. What we can tell you is that undocumented or under-documented damage often leads to denied claims or low settlements, so early documentation matters regardless.