Insurance Claim Calculators
Free, statute-cited calculators for Texas and Florida policyholders — built by a licensed public adjusting firm. No signup, no catch.
Public Adjuster Fee Calculator
Estimate a public adjuster’s contingency fee under the Texas (10% cap) and Florida (20% / 10% emergency) statutory limits — after deductible and withheld depreciation, with the fee never exceeding the statutory cap on your settlement.
Open calculatorRecoverable Depreciation Calculator
See your ACV (first) check versus the recoverable depreciation released after repairs, and what your replacement-cost claim nets in total.
Open calculatorHurricane / Windstorm Deductible Calculator
Percentage hurricane and windstorm deductibles apply to your dwelling (Coverage A) limit, not your loss. See what yours really is for Texas or Florida.
Open calculatorClaim Underpayment Estimator
Compare the carrier’s offer against an independent estimate of your covered damage to flag a potential settlement gap. Educational tool — no guaranteed outcome.
Open calculatorBuilt on the Actual Statutes
Most “how much does a public adjuster cost” pages online give you a vague range. Ours give you a number grounded in the law: Texas Insurance Code §4102.104 (10% cap) and Florida Statute §626.854(11) (20% standard, 10% for declared-emergency claims within a year). Every figure is cited so you can verify it.
These tools are educational. They do not evaluate your specific policy, coverage, or cause of loss — and they never promise an outcome. When you want a precise answer for your claim, a licensed DCS public adjuster will review it for free.
Frequently Asked Questions
Are these insurance calculators free?
Are the results an exact quote or guarantee?
Which states do these tools cover?
Educational Information - Not Legal Advice
The information on this page is for general educational purposes only. Dependable Claims Specialists is a licensed public adjusting firm - not a law firm. Public adjusters help policyholders inspect, document, evaluate, and negotiate property insurance claims, which includes reading and applying your policy in the ordinary course of adjusting (coverage parts, exclusions, endorsements, scope). We do not practice law and we do not provide legal advice. For legal opinions, demand letters, Chapter 542A pre-suit notices, statutory remedies under the Insurance Code, or litigation, consult a licensed attorney in your state. Texas public adjusters operate under TX Ins. Code Chapter 4102; Florida public adjusters operate under FL Statute §626.854.
Run the Numbers, Then Talk to a Pro
A licensed public adjuster will review your policy and your loss for free. No upfront cost — no recovery, no fee.
