Insurance Carriers We Work With

Dependable Claims Specialists is a licensed public adjusting firm in Texas (Firm License #3134924) and Florida (Firm License #W820363). We represent policyholders - not insurance companies - on property claims under policies issued by the carriers below. If your carrier is not listed, it does not mean we can’t help; it means the list below is the portion of the market we see most often.

Important Note on Representation

Listing a carrier here is a factual reference, not a statement that every claim on that carrier results in the same outcome. Every claim stands on its own facts. Public adjuster fees are contingent and capped by statute - 10% in Texas under Texas Insurance Code Chapter 4102, and 20% in Florida under Florida Statute §626.854 (10% during the first year following a declared emergency). Results vary and are not guaranteed.

National Admitted Carriers

Large standard-market carriers writing property policies in Texas, Florida, and most other states.

  • •Allstate
  • •American Family Insurance
  • •American International Group (AIG)
  • •Amica Mutual
  • •Chubb
  • •Erie Insurance
  • •Farmers Insurance
  • •The Hartford
  • •Liberty Mutual
  • •MetLife (Farmers subsidiaries)
  • •Nationwide
  • •Progressive (including ASI Progressive)
  • •Safeco
  • •State Farm
  • •Travelers
  • •USAA

Texas-Focused Carriers

Carriers and state-sponsored plans active primarily or heavily in the Texas property market.

  • •Allied Trust Insurance
  • •Germania Insurance
  • •Homeowners of America Insurance
  • •SafePoint Insurance
  • •Spinnaker Insurance
  • •Stonegate Insurance
  • •Texas FAIR Plan Association
  • •Texas Farm Bureau Mutual
  • •Texas Windstorm Insurance Association (TWIA)
  • •UPC Insurance / American Coastal

Florida-Focused Carriers

Admitted carriers writing meaningful residential property volume in Florida, including the state-backed Citizens plan.

  • •American Coastal Insurance
  • •American Integrity Insurance
  • •Castle Key Indemnity (Allstate)
  • •Citizens Property Insurance Corporation
  • •Elements Property Insurance
  • •First Floridian Auto and Home (Travelers)
  • •Florida Peninsula Insurance
  • •Heritage Insurance
  • •Homeowners Choice Property & Casualty (HCI)
  • •Kin Insurance
  • •Loggerhead Reciprocal Interinsurance Exchange
  • •Olympus Insurance
  • •People's Trust Insurance
  • •Security First Insurance
  • •Slide Insurance
  • •Tower Hill Insurance
  • •Universal North America
  • •Universal Property & Casualty Insurance

Commercial & Large-Property Carriers

Standard-market commercial property carriers for business interruption, commercial property, and large-loss claims.

  • •AIG (commercial lines)
  • •Chubb Commercial
  • •CNA
  • •FM Global
  • •Liberty Mutual Business Insurance
  • •The Hartford Business Insurance
  • •Travelers Commercial
  • •Zurich North America

Surplus Lines & Excess/Specialty Carriers

Non-admitted carriers and Lloyd’s syndicates writing coastal, high-value, and hard-to-place property risks.

  • •Evanston Insurance Company (Markel)
  • •Greenwich Insurance Company
  • •Lexington Insurance Company (AIG)
  • •Lloyd's of London Syndicates
  • •Scottsdale Insurance Company
  • •Velocity Risk Underwriters
  • •Western World Insurance Group

Force-Placed (Lender-Placed) Insurance Carriers

Force-placed insurance - also called lender-placed insurance (LPI) - is a property policy a mortgage lender or loan servicer buys and adds to the borrower’s mortgage payment when the borrower’s regular homeowners coverage lapses, cancels, or is deemed insufficient. Unlike a standard homeowners policy:

  • The lender is the named insured - not the homeowner.
  • Coverage is generally limited to the dwelling structure only (no contents, no liability, no loss of use in most forms).
  • Premiums are substantially higher than admitted-market homeowners coverage.
  • Claim handling is routed through the servicer/LPI carrier, which often results in under-scoped settlements for the homeowner.

The U.S. force-placed market is dominated by a small number of underwriting groups. DCS represents policyholders on claims under force-placed policies from these carriers and their subsidiaries:

  • American Security Insurance Company (ASIC)
    Underwriting group: Assurant
  • American Bankers Insurance Company of Florida
    Underwriting group: Assurant
  • Standard Guaranty Insurance Company
    Underwriting group: Assurant
  • Voyager Indemnity Insurance Company
    Underwriting group: Assurant
  • Praetorian Insurance Company
    Underwriting group: QBE North America
  • QBE Insurance Corporation
    Underwriting group: QBE North America
  • Proctor Financial / Proctor Insurance
    Underwriting group: Proctor Financial, Inc.
  • Southwest Business Corporation (SWBC)
    Underwriting group: SWBC
  • Great Lakes Insurance SE
    Underwriting group: Munich Re (placed through servicers)
  • Balboa Insurance Company (historical - largely wound down)
    Underwriting group: Bank of America (legacy)

Note on force-placed claims: because the lender is the named insured, settlement proceeds often flow to the mortgage servicer before reaching the homeowner. Documentation, scope disputes, and escrow-disbursement timing are the three most common points of dispute.

Don’t See Your Carrier?

The list above is not exhaustive. Texas and Florida each have dozens of additional admitted and surplus-lines carriers, regional mutuals, reciprocal exchanges, captives, and program business that may not appear here. If your carrier is not listed, please reach out - we regularly take claims on policies we have not previously worked on, and the claims process under most standard property forms follows the same statutory framework regardless of the insurer.

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Questions About Your Carrier or Policy?

Free claim review across Texas and Florida. No recovery, no fee. Statutory fee caps apply (10% Texas, up to 20% Florida).

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