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.

Understanding the Carrier Landscape

Property insurance in Texas and Florida is written by very different kinds of companies, and the type of carrier shapes how a claim is processed - the products sold, the conditions and exclusions in the policy, and the internal claim-handling steps. What does not change is the statutory framework: the same prompt-payment laws and the same policy mechanisms (such as the appraisal clause) apply across the categories below. Knowing which kind of carrier issued your policy helps you read your rights correctly.

National admitted carriers

Large, state-licensed insurers writing standard-market policies across many states. Being "admitted" means they are licensed by the state and participate in the state guaranty association, which can pay certain claims if an insurer becomes insolvent.

State-focused carriers & state plans

Regional insurers, farm-bureau mutuals, and state-created plans like Texas's TWIA (Insurance Code Chapter 2210) and Florida's Citizens (Statute §627.351(6)) that exist to cover wind and hard-to-place coastal property when the standard market will not.

Surplus-lines & specialty carriers

Non-admitted insurers and Lloyd's of London syndicates that write coastal, high-value, and hard-to-place risks the standard market declines. Their policies can carry broader exclusions and different conditions, so the form must be read closely.

Commercial & large-property carriers

Standard-market commercial insurers handling business-interruption, commercial-property, and large-loss claims, where coverage forms and the math behind a loss are more complex than a typical homeowners policy.

Force-placed (lender-placed) insurers

A small group of underwriting carriers that issue policies a lender buys when a borrower's coverage lapses. The lender, not the homeowner, is usually the named insured - which is exactly why these claims are commonly under-scoped for the homeowner (see below).

Who the adjuster works for

A company adjuster is the insurer's employee; an independent adjuster is a contractor the insurer hires - both work for the carrier. A public adjuster is licensed to represent you. That single distinction is what matters when an estimate or denial looks wrong.

Claim Handling Is Governed by Law, Not Just by the Carrier

No matter which company issued your policy, the way a property claim must be handled is set by statute and by the policy form. Carriers differ in their internal processes and customer service, but the deadlines and the policyholder's core rights come from the law:

  • •Texas prompt-payment deadlines. The Texas Prompt Payment of Claims Act (Insurance Code Chapter 542) sets deadlines to acknowledge, decide, and pay a claim, and can carry statutory interest plus attorney's fees for late payment - 18% per year under §542.060 for non-weather claims, and a post-judgment-rate-based figure for weather and catastrophe claims under Chapter 542A.
  • •Florida prompt-payment deadlines. Florida Statute §627.70131 generally requires the insurer to acknowledge a claim within 7 days and pay or deny it within 60 days of notice, with the §627.70152 pre-suit notice process required before litigation.
  • •The appraisal clause. Most property policies contain an appraisal provision that lets either side resolve a dispute over the amount of a covered loss - each party picks a competent, disinterested appraiser, a neutral umpire is chosen, and any two of the three reach a binding decision on amount (not coverage).
  • •Florida matching. Florida Statute §626.9744 addresses when an insurer must replace items in adjoining areas so a repair has a reasonably uniform appearance; Florida roof claims are also shaped by Statute §627.7011 and the Florida Building Code. Texas does not have an identical matching statute, so matching there turns on the policy language and facts.

These are general summaries subject to statutory exceptions. This page makes no coverage, liability, fee, or bad-faith determination. Legal questions about a specific claim should go to a licensed attorney in your state.

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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Frequently Asked Questions

Does it matter which insurance carrier my policy is with?+
The carrier matters less than people expect. Whoever your insurer is, the same statutory framework governs how a property claim is handled - the Texas Prompt Payment of Claims Act (Insurance Code Chapter 542) or Florida Statute §627.70131 for deadlines, and your policy form for coverage and the appraisal process. National carriers, state-focused carriers, surplus-lines insurers, and force-placed insurers differ in their internal processes and the products they sell, but the policyholder's rights and the claim-handling rules are driven by statute and the policy language, not by the brand on the declarations page.
What is the difference between an admitted carrier and a surplus-lines (non-admitted) carrier?+
An admitted carrier is licensed by the state insurance department and participates in the state guaranty association, which can pay certain claims if the insurer becomes insolvent. A surplus-lines or non-admitted carrier is not licensed in the usual way and is used for risks the standard market will not write - coastal, high-value, or hard-to-place property. Surplus-lines policies can have broader exclusions and different conditions, but they are still real contracts and claims under them are still adjustable. The claim is read the same careful way regardless.
My policy is with a state plan like TWIA or Citizens. Can a public adjuster still help?+
Yes. The Texas Windstorm Insurance Association (TWIA), created under Insurance Code Chapter 2210, and Florida's Citizens Property Insurance Corporation, created under Florida Statute §627.351(6), are state-created insurers of last resort for wind and hard-to-place coastal property. They have their own claim-handling procedures and dispute mechanisms, and policyholders have rights under those programs. A licensed public adjuster represents policyholders on TWIA and Citizens claims the same way as on any other carrier's claim, within the rules specific to those programs.
What is force-placed (lender-placed) insurance and why are those claims handled differently?+
Force-placed or lender-placed insurance is a policy a mortgage lender or loan servicer buys and adds to the borrower's payment when the borrower's own homeowners coverage lapses or is deemed insufficient. The crucial difference is that the lender - not the homeowner - is usually the named insured, coverage is typically limited to the dwelling structure (often no contents, liability, or loss of use), and proceeds frequently flow to the servicer first. That structure is why these claims are commonly under-scoped for the homeowner and why documentation, scope, and escrow-disbursement timing become the main points of dispute.
Does DCS work for the insurance company?+
No. DCS is a licensed public adjusting firm that represents policyholders only - Texas Firm License #3134924 and Florida Firm License #W820363. We never adjust claims on behalf of insurers. A public adjuster works exclusively for the insured to document, value, and negotiate the claim. Our fee is contingent and capped by statute: 10% in Texas under Insurance Code Chapter 4102, and up to 20% in Florida under Statute §626.854 (10% in the year following a declared emergency).
What is the difference between a company adjuster, an independent adjuster, and a public adjuster?+
A company (staff) adjuster is an employee of the insurer. An independent adjuster is a contractor the insurer hires to handle claims on its behalf - they still work for the carrier. A public adjuster is licensed to represent the policyholder, not the insurer, and is the only one of the three whose duty runs to you. That is the distinction that matters when an estimate or a denial does not look right: the first two work for the company, a public adjuster works for you.
My carrier is not on your list. Does that mean you cannot help with my claim?+
Not at all. The lists on this page reflect the part of the Texas and Florida market we see most often, not the limits of what we handle. Texas and Florida each have dozens of additional admitted and surplus-lines carriers, regional mutuals, reciprocal exchanges, and program business. Because the claim process under most standard property forms follows the same statutory framework regardless of the insurer, we regularly take claims on policies we have not previously worked on.

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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