We Know How Insurance Companies Think.
We Use That Knowledge for You.

Dependable Claims Specialists was built on a simple truth: most policyholders face their insurance company alone, without anyone in their corner who truly understands how the claims process works from the inside.

Our founder, Joshua Osteen, grew up working in construction and remodeling, starting at age 14. That background gave him something most adjusters never have: a genuine understanding of how buildings are put together and what it actually costs to fix them right.

In 2010, Joshua joined the insurance industry as a field adjuster for carriers, eventually rising to team lead. He spent those years learning exactly how insurance companies evaluate claims, where they look for reasons to reduce settlements, and what documentation it takes to build a claim that holds up. In 2017, he became a licensed public adjuster and founded DCS to put all of that knowledge to work for policyholders instead.

Since then, our team has handled thousands of claims across Texas and Florida, recovering millions of dollars for homeowners and business owners who were initially offered far less than their policies provided.

We are not here to fight with your insurance company. We are here to make sure your claim is documented completely, presented professionally, and settled for every dollar your policy provides. We take the stress off your plate so you can focus on what matters most: your family, your home, and your recovery.