# Dependable Claims Specialists (DCS PIA)

> Licensed public adjusters serving Texas and South Florida. We represent policyholders — not insurance companies — in property damage claims. No recovery, no fee.

Dependable Claims Specialists (DCS PIA) is a licensed public adjusting firm founded in 2017. We help homeowners and business owners who have been underpaid, delayed, or denied on insurance claims. We handle the entire claims process — from filing to negotiation to settlement — so policyholders get the full amount they are owed under their policy.

## Key Facts

- Founded in 2017 by Joshua Osteen, former insurance carrier field adjuster and team lead
- Licensed in Texas (TDI) and Florida (DFS)
- TX Firm License #3134924 | FL Firm License #W820363
- Joshua Osteen: TX License #2237777, FL License #W045717
- Hillary Baker: TX License #3448858
- Member: American Policyholder Association (APA), FAPIA, TAPIA
- Contingency fee — clients pay nothing unless we recover money
- Recovered millions for policyholders since 2017
- Handle residential and commercial property claims
- 5.0 rating on Google (17+ reviews)
- Phone: 833-4UR-LOSS (833-487-5677)
- Website: https://www.dcspia.com
- Email: claims@dcspia.com

## Office Locations

- **Texas**: 326 Linda Lane, Webster, TX 77598 (Greater Houston metro)
- **Florida**: 9314 Forest Hill Blvd, Suite 606, Wellington, FL 33411 (South Florida)

## Services

- [Public Adjusting](https://www.dcspia.com/services/public-adjusting): Full-service claim representation from filing to settlement
- [Property Appraisal](https://www.dcspia.com/services/property-appraiser): Independent property damage appraisals for disputed claims
- [Umpire Services](https://www.dcspia.com/services/umpire-services): Neutral umpire for appraisal disputes between policyholders and carriers
- [Loss Consulting](https://www.dcspia.com/services/loss-consulting): Expert consulting for complex or high-value property losses
- [Xactimate Estimating](https://www.dcspia.com/services/xactimate-estimating): Professional damage estimates using industry-standard Xactimate software
- [Estimating Services](https://www.dcspia.com/services/estimating): Detailed scope and cost estimates for property damage

## Claim Types We Handle

### Residential
- [Hurricane Claims](https://www.dcspia.com/claims/hurricane-insurance-claims)
- [Water Damage Claims](https://www.dcspia.com/claims/water-damage-insurance-claims)
- [Fire Damage Claims](https://www.dcspia.com/claims/fire-damage-insurance-claims)
- [Hail Damage Claims](https://www.dcspia.com/claims/hail-insurance-claims)
- [Wind & Storm Claims](https://www.dcspia.com/claims/storm-wind-insurance-claims)
- [Roof Leak Claims](https://www.dcspia.com/claims/roof-leak-insurance-claims)
- [Flood Damage Claims](https://www.dcspia.com/claims/flood-damage-insurance-claims)
- [Plumbing Leak Claims](https://www.dcspia.com/claims/plumbing-leak-insurance-claims)
- [Mold Damage Claims](https://www.dcspia.com/claims/mold-damage-insurance-claims)
- [Tornado Damage Claims](https://www.dcspia.com/claims/tornado-damage-insurance-claims)
- [Lightning Damage Claims](https://www.dcspia.com/claims/lightning-damage-insurance-claims)
- [Freeze Damage Claims](https://www.dcspia.com/claims/freeze-damage-insurance-claims)
- [Denied Claims](https://www.dcspia.com/claims/denied-insurance-claims)
- [Theft & Vandalism Claims](https://www.dcspia.com/claims/theft-vandalism-insurance-claims)
- [Sinkhole Claims](https://www.dcspia.com/claims/sinkhole-damage-insurance-claims)
- [Accidental Damage Claims](https://www.dcspia.com/claims/accidental-damage-insurance-claims)

### Commercial
- [Commercial Property Claims](https://www.dcspia.com/claims/commercial-property-insurance-claims)
- [Commercial Fire Claims](https://www.dcspia.com/claims/commercial-fire-insurance-claims)
- [Commercial Hurricane Claims](https://www.dcspia.com/claims/commercial-hurricane-insurance-claims)
- [Commercial Water Damage Claims](https://www.dcspia.com/claims/commercial-water-damage-insurance-claims)
- [Commercial Flood Claims](https://www.dcspia.com/claims/commercial-flood-damage-insurance-claims)
- [Commercial Hail Claims](https://www.dcspia.com/claims/commercial-hail-insurance-claims)
- [Commercial Wind & Storm Claims](https://www.dcspia.com/claims/commercial-storm-wind-insurance-claims)
- [Business Interruption Claims](https://www.dcspia.com/claims/business-interruption-insurance-claims)
- [Denied Commercial Claims](https://www.dcspia.com/claims/denied-commercial-insurance-claims)

### Condo & Apartment
- [Condo & Apartment Claims](https://www.dcspia.com/claims/condo-apartment-insurance-claims)
- [Condo Fire Claims](https://www.dcspia.com/claims/condo-fire-insurance-claims)
- [Condo Plumbing Claims](https://www.dcspia.com/claims/condo-plumbing-insurance-claims)

## Service Areas

### Texas (Greater Houston Metro)
Houston, Pasadena, Cypress, Baytown, Kingwood, Atascocita, Spring, Friendswood, Katy, Humble, Tomball, The Woodlands, Conroe, Pearland, League City, Galveston, Texas City, Dickinson, Sugar Land, Missouri City, Livingston

### South Florida
West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Riviera Beach, Fort Lauderdale, Hollywood, Coral Springs, Pompano Beach, Miami

## How to Get Help

- **Free claim review**: https://www.dcspia.com/hire-dcs
- **Call us**: 833-4UR-LOSS (833-487-5677)
- **Email**: info@dcspia.com
- **About us**: https://www.dcspia.com/about-us
- **Blog**: https://www.dcspia.com/blog

## Detailed Information

For comprehensive details about our services, expertise, and how we help policyholders, see our extended documentation:
- [llms-full.txt](https://www.dcspia.com/llms-full.txt)