Closed-file recovery assessment
See what your closed files are hiding.
ARBS reviews 50–200 of your closed claim files and returns a ranked recovery report in 14 business days. No upfront cost. No IT integration. 15–20% only on actual recoveries.
Why most recoveries fail.
Recoveries fail at one of three gates. ARBS surfaces every flagged file scored on all three. Your reviewers see the source documents, not just a score.
Evidence on the liable party
Is there documentation in the file that establishes responsibility — police report, contractor proof of work, adverse-carrier contact, expert report? If the evidence isn't on paper, no recovery action stands up downstream.
Collectibility
Can the third party actually pay? Insured tortfeasor, well-capitalized contractor, recoverable carrier — yes. Uninsured individual driver with no assets — no. The gate filters effort toward dollars that will land.
Cost-benefit threshold
Does the recovery dollar value justify pursuit cost? Below threshold and the file should stay closed. Above threshold and it goes to your recovery counsel for execution. ARBS draws the line by carrier policy, not generic defaults.
Why ARBS
Three commitments that show up on the first deliverable.
Governance-first
Every recommendation has cited evidence, a confidence score, and a complete audit trail. Examiner-grade for OSFI E-23, NAIC, and AI TRiSM. No black boxes — your compliance team can read the reasoning.
Contingency pricing
15–20% only on actual recoveries. No upfront cost. No subscription. No IT integration. The math aligns: we earn when your bottom line moves.
Canada-first
All carrier data processed in Canada. PIPEDA-aligned. No US transit. No foreign-region replication. Your data residency story stays clean for regulators and your board.
How it works.
Three steps from intake to a recovery report you can take to your team. No integration. No software for your adjusters to learn.
Week 1
Send the files
50–200 closed claim files. Redacted PDFs accepted. Privacy-comfort options on the request form. No connection to your claim system.
Week 2
We process and score
Each file scored across the three gates — evidence, collectibility, cost-benefit. Recommendations carry source citations and confidence scores.
Day 14
Executive Recovery Report
Ranked list of recoverable dollars, with audit trail and referral packages attached. Validation call with your recovery team within 5 business days of delivery.
Pilot intake
Tell us what you want to assess.
Choose the product path and we'll route your request to the right pilot conversation within two business days.
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