We work for you — not the insurance company.

Your house should not wait on an adjuster's schedule to get dry. We bill your insurance directly, you cover your deductible, and work starts now — with every job documented to claim standards, so a covered loss gets paid instead of argued.

Payment & Insurance — Straight Talk

We work for you — not the insurance company.

Restoration companies that wait on the insurance check leave your house waiting on an adjuster's timeline. We flip it: work starts now, we bill your insurance directly, and every job produces a claim-standard documentation package — you just cover your deductible.

How payment and insurance work with us →

  • You are the customer

    You hire us, we answer to you. For covered losses the setup is simple: you pay your deductible, we bill your insurance directly and carry the claim start to finish. Prefer to leave insurance out of it? Straight retail 50/50 — cash, check, or card. Either way, work starts on your schedule, not an adjuster’s.

  • Documented to claim standards

    Room-by-room photos, daily moisture readings, equipment logs, and an itemized scope of work — the format adjusters expect, on every job, whether or not a claim is filed.

  • Line-item pricing

    Scope of work priced to Xactimate / industry-standard rates. Transparent line items, not lump sums — you see exactly what you are paying for.

  • We carry the claim

    Billing goes straight to your carrier on a signed Direct-Pay Agreement — a real cost incurred, not an estimate to argue down. We handle the documentation, the adjuster communication, and any supplements, start to finish. We never promise what a policy will pay — we make covered losses easy to pay.

How payment works — two ways, both starting now

Every job starts with a signed contract and work that begins right away — the only question is how the balance gets handled. For covered losses, our standard setup is simple: we bill your insurance directly, and you only handle your deductible. We go over it together, at the kitchen table, before anything is signed:

  1. 1.Direct-Pay Agreement — we bill your insurance directly. You pay your insurance deductible when work begins — the part that's yours either way — and sign a direct agreement with us for the remaining balance on a Net-15 term: one balance, one due date. No interest, no finance charges, no credit application — a standard net payment term, like any contractor invoice. Because the signed agreement makes our invoice a real cost incurred, your claim is filed on actual charges — not an estimate for an adjuster to argue down — and we take the claim from there: billing sent straight to the carrier, claim-standard documentation, direct adjuster communication, and supplements if more damage is found. Your benefits stay yours — nothing is assigned to us.
  2. 2.Retail — cash, check, or card. Prefer to leave insurance out of it, or the loss isn't covered? 50% to start, 50% when the work is done and you've walked it with us. Simplest and fastest — no waiting on anyone.

The honest fine print

We never promise what a policy will pay — nobody honestly can, and you should be wary of anyone who does. What we promise is documentation so complete that covered losses reimburse cleanly: photos, daily moisture logs, equipment records, and line-item pricing on every single job.

What we deliver to your adjuster

  • 1.Room-by-room photographic documentation with timestamps and a written narrative of the original condition.
  • 2.Moisture readings and equipment logs — when each dehumidifier and air mover was placed, when readings hit dry standard, when equipment was removed. Adjusters look for this.
  • 3.Itemized scope of work priced to Xactimate or comparable industry-standard rates. Line items, not lump sums.
  • 4.Direct adjuster communication — we answer their questions on your behalf, attend the on-site adjuster visit if scheduled, and handle supplement filings if additional damage is discovered mid-job.
  • 5.Completion package for depreciation release. Final invoice, photos of completed work, lien waivers — the paperwork your carrier needs to release the RCV holdback.

A note on "preferred vendors"

You are not required to use your carrier's preferred vendor. Preferred vendor programs are a convenience offered by carriers — not a policy requirement. The carrier still has to pay the covered loss whether you use their network or hire us directly. Read the fine print of any "direct repair" or "managed repair" program before signing.

Insurance Claim FAQs

How does payment work if I have insurance?

Simply. You pay your insurance deductible when work begins — the part that is yours to pay either way — and we bill your insurance directly for the rest. Behind that sits our Direct-Pay Agreement: a signed direct contract for the balance on a Net-15 term, which makes our invoice a real cost incurred — so your claim is filed on actual charges, not an estimate for an adjuster to argue down. Work starts immediately; nothing waits on the carrier. Prefer to leave insurance out of it, or the loss is not covered? Straight retail — cash, check, or card, 50% to start and 50% at completion — is always available.

Who actually handles the claim?

We do the heavy lifting, and the claim stays in your name. We document the loss to claim standards — room-by-room photos, daily moisture logs, equipment records, itemized scope — send our billing directly to the carrier, communicate with the adjuster so you do not have to, and file supplements if more damage is found. To be clear: we never promise what a policy will pay — nobody honestly can. But when the cause of loss is covered, real, documented, incurred costs are the easiest thing for a carrier to pay.

Am I required to use my carrier's "preferred vendor"?

No. Your insurance policy lets YOU choose the contractor — preferred vendor programs are a convenience offered by carriers, not a requirement. The carrier still has to pay the covered loss whether or not you use their network.

What does True Eden actually do for the insurance claim?

We document the loss in the format adjusters expect: room-by-room photos, moisture readings, equipment logs (when industrial drying equipment was placed and removed), an itemized scope of work, and Xactimate-style line-item pricing. We communicate with the adjuster directly so you do not have to translate technical language back and forth. If a supplement is needed (additional damage discovered during work), we file it.

What if my claim is denied or underpaid?

Denials and lowballed estimates are usually appealable with better documentation. We can provide moisture logs, photo evidence, and IICRC-standard scope justification to support an appeal or supplement. For complex disputes, public adjusters and policyholder attorneys are also options — we have referrals.

What is the Direct-Pay Agreement?

Our standard setup for covered losses. You pay your insurance deductible when work begins — the part that is yours to pay either way — and sign a direct agreement with us for the remaining balance on a Net-15 term. Because the agreement is signed, our invoice is a real cost incurred — not an estimate — when the claim is filed, which is the strongest position a claim can be in. We bill the carrier directly on that invoice and stay on the claim the whole way: documentation, adjuster communication, and supplements if more damage is found. Your benefits stay yours — nothing is assigned to us — and we never promise what a policy will pay.

Is the Direct-Pay Agreement financing?

No. Nothing is financed and nothing accrues interest. It is a net payment term — a single balance with a single due date, the same way any contractor invoice is due in 15 or 30 days. No credit application, no installments, no finance charges of any kind.

How does the deductible work?

Your deductible is your out-of-pocket portion before insurance pays. For a $5,000 loss with a $1,000 deductible, the carrier pays $4,000 and you pay $1,000. On our Direct-Pay Agreement — the standard setup for covered losses — the deductible is exactly what you pay when work begins; we bill the carrier directly for the covered work, and the remaining balance sits on a Net-15 term with your responsibility for any uncovered portion stated plainly in the contract. We will not "waive" or "absorb" your deductible — that is insurance fraud and risks your coverage.

What is "ACV" vs. "RCV"?

ACV (Actual Cash Value) is replacement cost minus depreciation — the initial payment from the carrier. RCV (Replacement Cost Value) is the full replacement cost, paid out as recoverable depreciation once the work is actually completed and invoiced. Most policies pay ACV up front and release the depreciation withholding when you submit completion documentation.

How long does the whole claim take?

Emergency mitigation usually has a streamlined approval path (a few days to a week). Reconstruction scope approval depends on the carrier and the complexity — typically 1–3 weeks for the initial scope, plus any supplements. The actual repair work timeline depends on scope size and material lead times.

In the middle of a claim?

Whether you have an open claim with another contractor or you are about to file, we can help you build a clean claim file.

Call Now for Emergency Help(224) 454-4376

Insurance claim coordination from day one. We are not a "preferred vendor" — you choose us.

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