Recover Every Dollar
Your Policy May Owe You.

The carrier valued this Hurricane Ian loss below the policy deductible, effectively offering nothing. After the appraisal clause was invoked and DCS served as the policyholder appraiser, the appraisal panel issued an award of $1,427,372.70. Result driven entirely by inspection, scope, and pricing on the record, not by the carrier's prior position.

A 50-year State Farm customer had major portions of their Beryl claim denied. A large tree struck the front of the house with multiple limb penetrations and water flowed into seven rooms. DCS documented the full scope and reversed the partial denial. Final settlement included a new roof, new A/C unit, and full damage payments.

A Galveston homeowner with Texas Windstorm Insurance Association (TWIA) coverage received an initial offer several times smaller than the actual damage warranted. DCS negotiated the settlement up through persistent documentation and construction knowledge.

A late-December 2024 tornado swept through Spring and damaged the home. The initial Homesite scope captured only a fraction of the actual structural and roof-decking damage. DCS lifted shingles, documented fastener pull-through, and built a supplement that grew the settlement by more than 5.65×.

Extensive concealed water damage from a failed HVAC condensation line. The initial Homeowners of America offer did not account for the full scope of subflooring, wall cavity, and cabinet damage. DCS documented the complete causation and damage trail and negotiated a 25× settlement increase.

Allstate denied the plumbing leak claim in full on wear-and-tear grounds. DCS assembled engineering causation evidence, documented the prompt-payment timeline against Texas Insurance Code Chapter 542 deadlines, and negotiated a full reversal to the policy limit.

The initial State Farm offer on a hail-and-roof-leak claim captured only visible surface damage. DCS documented the true scope of roof decking, fastener pull-through, and interior water damage from the resulting leak. Final settlement was 6.5× the initial offer.

A tree fell on the home during Hurricane Beryl, causing major structural and interior water damage. DCS was engaged from the first day of the claim and documented dwelling, ALE (loss of use), and personal property in full across all coverages.

A failed toilet supply line caused extensive water damage across multiple rooms. DCS was engaged from day one and presented a fully documented claim including subfloor, cabinet, and framing damage.

A plumbing supply line leak caused extensive water damage, but the carrier's initial estimates severely undervalued the restoration scope. Through the formal appraisal process, with DCS serving as the party-appointed appraiser, the panel issued a binding award of $103,598.14 reflecting the documented cost of repair, $76,106.16 above the carrier's initial estimate.

The carrier's initial assessment of this loss was $15,644.10. Through the formal appraisal process, with DCS serving as the party-appointed appraiser, the panel issued a binding award of $97,913.50 reflecting the documented cost of repair - a result driven by the evidence on the record.

The initial Texas Fair Plan scope for this Hurricane Beryl claim drastically undervalued the wind and storm damage. Acting as the public adjuster, the true extent of the property loss was meticulously documented and negotiated, resulting in a final settlement increase of over $81,000.

Hurricane Ian devastated Sanibel Island, and the carrier's initial offers fell severely short of the catastrophic destruction. Acting as the public adjuster, the true extent of wind and structural damage was meticulously scoped and negotiated, pushing the final settlement up by over $181,000 to cover the rebuild.