Homeowner's Insurance

The staff at ARM® is familiar with residential construction techniques and working with fire, water, and smoke restoration companies.

In order to minimize estimation errors, ARM® utilizes Xactimate Estimating Program which provides the most current prices for material and labor.  This aids in minimizing your indemnity dollars to compensate first or third party claimants.

In regards to unscheduled personal property, ARM® utilizes the ACV Software to establish the replacement cost; vendors who offer replacement property; and the application of appropriate depreciation to those items in question. 

ARM® is familiar with Arkansas Case and Statute Law concerning liability exposures, and will aggressively investigate third party claims made against your insureds.  We work well with the defense firms in Arkansas, and are familiar with the plaintiff firms, and the profile their offices fit in regards to litigation. 

ARM® utilizes Jury Verdict Research software to evaluate the value of a bodily injury claim. Jury Verdict Research’s database includes 150,000 cases which have been through the court system with jury verdicts assigned. The software allows the individual adjuster to evaluate a claim based upon the zip code, which takes into consideration conservative verses liberal venues within the territory covered by ARM®.  This tool allows ARM® to provide objective analytical research to your firm, to ensure informed decisions can be made.

ARM® is licensed in Texas, Oklahoma, Arkansas, and Mississippi to handle homeowner related claims. In addition, we frequently travel to those states which do not require licensing which include Missouri, Tennessee, and Louisiana.

If your office requires evaluation on the value of your insured property for co-insurance purposes, Marshall and Swift Evaluation Services are used to establish the depreciated value of the structure, or it’s replacement cost.

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