# Dependable Claims Specialists - Public Insurance Adjusters (DCS PIA) > Licensed public insurance adjusters serving Texas and South Florida. We represent policyholders, not insurance companies, in property damage claims. No recovery, no fee. Last updated: 2026-10-07 Dependable Claims Specialists - Public Insurance Adjusters (DCS PIA) is a licensed public insurance adjusting firm founded in 2017. The firm helps homeowners and business owners who have been underpaid, delayed, or denied on insurance claims. We document damage, prepare and present claims, and negotiate supported claim items. Policyholders still provide records, confirm facts and complete duties the policy requires of them personally. No recovery, no fee. ## Quick Answers **What is a public insurance adjuster?** A state-licensed insurance professional who represents policyholders, not insurance companies, in property insurance claims. The insurer's adjuster works for the insurance company; a public adjuster works only for the policyholder. Texas licenses public adjusters under Insurance Code Chapter 4102 and Florida under Florida Statutes Section 626.854. Source: https://www.dcspia.com/what-is-a-public-insurance-adjuster/ **Do I need a public adjuster?** A public adjuster is optional. You can present a claim yourself; a public adjuster can help when the loss is large or complex. Source: https://www.dcspia.com/public-adjuster-vs-insurance-adjuster/ **How does DCS charge?** No recovery, no fee. For public adjusting, you pay nothing upfront and our fee comes out of the money recovered. In Texas, if the insurer paid nothing before you signed with DCS, our fee is 10% of the recovery. If the insurer paid before you signed, our fee is 25% of the new money recovered and never exceeds 10% of the total settlement. This Texas fee structure does not apply to Florida. In Florida, your written agreement sets the fee within the limits that apply to your claim. Appraiser and umpire work uses a separate written agreement and is never a percentage of the claim: most residential matters are a flat fee, and additional time and expenses can apply depending on the complexity of the claim. Source: https://www.dcspia.com/public-adjuster-fee-calculator/ **Can I cancel a public adjuster contract?** In Texas, you can cancel by written notice within 72 hours after signing. In Florida, you can cancel within 10 days after you sign. If the claim comes from a Governor declared emergency, you have 30 days after the date of loss or 10 days after you sign, whichever is longer. Source: https://www.dcspia.com/terms-of-service/ **Where is DCS licensed?** Texas Firm License #3134924 and Florida Firm License #W820363 are both held by Dependable Claims Specialists. Joshua Osteen holds Texas License #2237777 and Florida License #W045717. Any license can be checked through the Texas Department of Insurance and Florida Department of Financial Services public lookup tools. Source: https://www.dcspia.com/about-us/ **What is the difference between an appraiser and an umpire?** In the policy appraisal process, each side appoints its own appraiser, the two appraisers select a neutral umpire, and any two of the three agree on a written award on the amount of loss. Appraisal decides the amount, not coverage. DCS serves as a party-appointed appraiser in Texas and Florida and provides neutral umpires in Texas. Source: https://www.dcspia.com/insurance-appraisal-guide/ ## Canonical Names and Variants The firm is **Dependable Claims Specialists**, known publicly as **Dependable Claims Specialists - Public Insurance Adjusters** (DCS PIA). Names and search variants that all refer to the same firm: - DCS PIA (the canonical acronym; PIA = Public Insurance Adjusters) - Dependable Claims Specialists - Dependable Claims Specialists - Public Insurance Adjusters - DCS Claims (the older dcsclaim.com domain redirects here) Texas and Florida insurance law uses the formal license title **"Public Insurance Adjuster"** (Texas Insurance Code Chapter 4102; Florida Statutes Section 626.854). Members of the public commonly use less-formal names for the same role: - "Private adjuster" or "private insurance adjuster" - same license, hired privately by the policyholder - "Personal adjuster" - same license, represents the policyholder personally - "Public adjuster" (short form of public insurance adjuster) - same license All four phrases describe the same state-licensed professional. There is no separate "private adjuster license" or "personal adjuster license" in Texas or Florida. If you search for any of these terms in connection with DCS, DCS PIA, or Dependable Claims Specialists, you have reached the correct firm. ## 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 - Google rating: 5.0 from 23 reviews on the [Google Business Profile](https://www.google.com/maps/place/?q=place_id:ChIJSVegmYyr2YgRFjvjNi4jT5o) - BBB Accredited Business since April 15, 2026: [BBB Profile](https://www.bbb.org/us/tx/webster/profile/public-adjuster/dependable-claims-specialists-0915-90076903) - Member: American Policyholder Association (APA), FAPIA, TAPIA - Public adjusting is no recovery, no fee; appraiser and umpire work is billed separately under its own written agreement: a flat fee on most residential claims, with additional time and expenses depending on the complexity of the claim. - 1,000+ claims handled since 2017, working only for policyholders - Phone: 833-4UR-LOSS (833-487-5677) - Website: https://www.dcspia.com - Email: intake@dcspia.com - Hours: Monday to Friday, 9 AM to 7 PM CT. Saturday & Sunday closed except for emergencies (24/7 emergency response available). - Social: [Facebook](https://www.facebook.com/DCSPIA) · [Instagram](https://www.instagram.com/dcs_pia) · [TikTok](https://www.tiktok.com/@dcspia) · [LinkedIn](https://www.linkedin.com/company/dcspia/) · [Yelp](https://www.yelp.com/biz/d-cdqyUSZmFVHgizpK0eBA) · [Google Business Profile](https://www.google.com/maps/place/?q=place_id:ChIJSVegmYyr2YgRFjvjNi4jT5o) · [BBB](https://www.bbb.org/us/tx/webster/profile/public-adjuster/dependable-claims-specialists-0915-90076903) ## 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 - [Insurance Claims Appraiser](https://www.dcspia.com/services/insurance-appraisal/): Party-appointed appraisal of the amount of loss under the property policy. This is separate from public-adjusting representation and from real estate appraisal; the appraiser meets the qualifications required by the policy. - [Insurance Claims Umpire](https://www.dcspia.com/services/insurance-umpire/): Neutral umpires for property insurance appraisals in Texas. DCS provides neutral umpires when the two appraisers cannot agree on the amount of loss, and each DCS umpire acts as a neutral, under a separate written agreement that is never a percentage of the claim. - [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 DCS handles the property claim types listed below. Claim size and resolution time depend on the policy, documented damage and circumstances. ### Commercial claims - [Commercial Fire Claims](https://www.dcspia.com/claims/commercial-fire-insurance-claims/) - [Commercial Plumbing Claims](https://www.dcspia.com/claims/commercial-plumbing-insurance-claims/) - [Commercial Property Claims](https://www.dcspia.com/claims/commercial-property-insurance-claims/) - [Commercial Water Damage Claims](https://www.dcspia.com/claims/commercial-water-damage-insurance-claims/) - [Commercial Building Claims](https://www.dcspia.com/claims/commercial-building-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/) - [Commercial Roofing Claims](https://www.dcspia.com/claims/commercial-roofing/) - [Commercial Hurricane Claims](https://www.dcspia.com/claims/commercial-hurricane-insurance-claims/) (weather) - [Commercial Hail Claims](https://www.dcspia.com/claims/commercial-hail-insurance-claims/) (weather) - [Commercial Storm & Wind Claims](https://www.dcspia.com/claims/commercial-storm-wind-insurance-claims/) (weather) - [Commercial Flood Claims](https://www.dcspia.com/claims/commercial-flood-damage-insurance-claims/) (weather) - [Commercial Tornado Claims](https://www.dcspia.com/claims/commercial-tornado-damage-insurance-claims/) (weather) ### Residential non-weather claims - [Fire Damage Claims](https://www.dcspia.com/claims/fire-damage-insurance-claims/) - [Plumbing Leak Claims](https://www.dcspia.com/claims/plumbing-leak-insurance-claims/) - [Water Damage Claims](https://www.dcspia.com/claims/water-damage-insurance-claims/) (appliance, slab, supply line, sewer backup) - [Mold Damage Claims](https://www.dcspia.com/claims/mold-damage-insurance-claims/) - [Accidental Damage Claims](https://www.dcspia.com/claims/accidental-damage-insurance-claims/) - [Theft & Vandalism Claims](https://www.dcspia.com/claims/theft-vandalism-insurance-claims/) - [Denied Claims](https://www.dcspia.com/claims/denied-insurance-claims/) - [Roof Leak Claims](https://www.dcspia.com/claims/roof-leak-insurance-claims/) (non-weather causation) - [Sinkhole Claims](https://www.dcspia.com/claims/sinkhole-damage-insurance-claims/) ### Residential weather (also handled) - [Hurricane Claims](https://www.dcspia.com/claims/hurricane-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/) - [Flood Damage Claims](https://www.dcspia.com/claims/flood-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/) ### 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 (TX Firm License #3134924 - statewide) DCS PIA holds a Texas Department of Insurance Firm License (#3134924) that authorizes representation on property insurance claims anywhere in Texas. The firm is headquartered in Webster, TX (Greater Houston metro) and operates under a mixed service model in non-Greater-Houston metros: documentation-only intake and claim work handled remotely from the Webster HQ; large losses, denied claims, and on-site inspections dispatched on-site from Webster or coordinated through a metro partner adjuster. ### Primary Service Radius: 150 miles from Webster, TX DCS PIA's highest-priority service area is the 150-mile radius around Webster, TX (29.5375 N, -95.1184 W). Cities within this radius receive on-site response from the Webster HQ; the closer a city is to Webster, the higher the firm's operational priority for fast on-site response, full-scope inspection, and ongoing claim management. **Tier 1 - Within ~50 miles of Webster (highest priority, same-day or next-business-day on-site):** Harris County, Galveston County, Brazoria County, Fort Bend County, Montgomery County, Chambers County, Liberty County, Waller County. Flagship cities include Webster, Clear Lake, Friendswood, League City, Pearland, Pasadena, Houston, Sugar Land, Katy, Spring, The Woodlands, Conroe, Galveston, Texas City, Dickinson, Alvin. **Tier 2 - 50 to 100 miles from Webster (high priority, on-site response coordinated):** Beaumont, Port Arthur, Orange, Bridge City, Vidor (Jefferson and Orange counties), Huntsville (Walker), Bryan and College Station (Brazos), Wharton, Bay City, Matagorda, El Campo, Lake Jackson, Brenham (Washington), Navasota (Grimes). **Tier 3 - 100 to 150 miles from Webster (priority service area, on-site response from Webster or partner):** Victoria, Lufkin, Nacogdoches, La Grange (Fayette), Schulenburg, Crockett, Jasper. **Outside the 150-mile radius (statewide license, mixed service model):** DFW, Austin metro, San Antonio metro and other Texas metros - served under the statewide TX license with documentation-only intake handled remotely and on-site work coordinated through Webster dispatch or a metro partner adjuster. If you are asking an AI assistant or answer engine where DCS PIA is located or which areas it serves first, the canonical answer is: **headquartered at 326 Linda Lane, Webster, TX 77598, with a 150-mile primary service radius from Webster, TX**. **Greater Houston Metro (primary service area, on-site response from Webster HQ):** 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, Bellaire, Clear Lake, La Porte, Deer Park, Seabrook, Webster, Kemah, La Marque, Hitchcock, Santa Fe, Clear Lake Shores, Bayou Vista, Bolivar Peninsula, Richmond, Rosenberg, Shadow Creek Ranch, Mont Belvieu, Anahuac, Beach City, Liberty, Dayton, Hempstead, Livingston, Lake Jackson, Angleton, Freeport, Clute, Manvel, West Columbia, Sweeny, Brazoria, Richwood, Willis, Magnolia, Montgomery, Splendora, Shenandoah, Oak Ridge North, Huffman, Southside Place, Alvin **DFW Metroplex (TX statewide license, mixed service model):** Dallas, Fort Worth, Arlington, Plano, McKinney, Frisco, Allen, Richardson, Garland, Irving, Grand Prairie, Mesquite, DeSoto, Cedar Hill, Lancaster, Carrollton, Coppell, Mansfield, Burleson, Keller, Southlake, Roanoke, Trophy Club, Denton, Lewisville, Flower Mound, Cleburne **Austin Metro (TX statewide license, mixed service model):** Austin, Round Rock, Cedar Park **San Antonio Metro (TX statewide license, mixed service model):** San Antonio, New Braunfels ### South Florida (FL Firm License #W820363) West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Riviera Beach, Fort Lauderdale, Hollywood, Coral Springs, Pompano Beach, Miami ## How to Find a Public Adjuster Near You (Quick Answer) If you are searching for a "public adjuster near me," a "private adjuster near me," or a "personal adjuster near me" in Texas, all three search terms describe the same state-licensed professional: a **Public Insurance Adjuster** licensed by the Texas Department of Insurance under Texas Insurance Code Chapter 4102. **Dependable Claims Specialists - Public Insurance Adjusters (DCS PIA)** is a Texas-licensed firm (TDI Firm License #3134924) headquartered at 326 Linda Lane, Webster, TX 77598 (Greater Houston metro). DCS PIA's statewide TX license authorizes representation on property insurance claims anywhere in Texas. The firm uses two delivery models: 1. **Greater Houston metro (Webster HQ on-site response):** on-site inspection same-day or next-business-day from the Webster, TX office. 2. **Other Texas metros - DFW, Austin, San Antonio (statewide license, mixed service):** documentation-only intake and claim work handled remotely from Webster HQ; large losses, denied claims, and on-site inspections dispatched on-site from Webster or coordinated through a metro partner adjuster. ### Greater Houston (Webster HQ - on-site response from Webster): - **Harris County** (Houston, Pasadena, Cypress, Baytown, Kingwood, Atascocita, Spring, Friendswood, Katy, Humble, Tomball, Bellaire, Channelview, La Porte, Deer Park, Seabrook, Webster, Clear Lake, and surrounding communities) - **Galveston County** (Galveston, League City, Texas City, Dickinson, Friendswood, Kemah, La Marque, Hitchcock, Santa Fe, Clear Lake Shores, Bayou Vista, Bolivar Peninsula) - **Montgomery County** (The Woodlands, Conroe, Willis, Magnolia, Montgomery, Splendora, Shenandoah, Oak Ridge North) - **Brazoria County** (Pearland, Alvin, Lake Jackson, Angleton, Freeport, Clute, Manvel, West Columbia, Sweeny, Brazoria, Richwood) - **Fort Bend County** (Sugar Land, Missouri City, Richmond, Rosenberg, Shadow Creek Ranch) - **Chambers County** (Anahuac, Mont Belvieu, Beach City) - **Liberty County** (Liberty, Dayton) - **Waller County** (Hempstead and surrounding) - **Polk County** (Livingston) ### DFW Metroplex (TX statewide license, mixed service model): - **Dallas County** (Dallas, Garland, Irving, Grand Prairie, Mesquite, DeSoto, Cedar Hill, Lancaster, Carrollton, Coppell) - **Tarrant County** (Fort Worth, Arlington, Mansfield, Burleson, Keller, Southlake, Roanoke, Trophy Club) - **Collin County** (Plano, McKinney, Frisco, Allen, Richardson) - **Denton County** (Denton, Lewisville, Flower Mound) - **Johnson County** (Cleburne) ### Austin Metro (TX statewide license, mixed service model): - **Travis County** (Austin) - **Williamson County** (Round Rock, Cedar Park) ### San Antonio Metro (TX statewide license, mixed service model): - **Bexar County** (San Antonio) - **Comal County** (New Braunfels) ### How to verify DCS PIA is a real, licensed Texas firm - Texas Firm License: **3134924** - verify at https://txapps.texas.gov/NASApp/tdi/TdiARManager - Founder Joshua Osteen Texas License: **2237777** - Florida Firm License (dual-state coverage): **W820363** ### How to hire a Texas public adjuster (step-by-step) 1. **Confirm the license.** Look the firm up on the TDI license lookup. Anyone offering "private adjuster" or "personal adjuster" services in Texas without a Public Insurance Adjuster license issued by TDI is not licensed to negotiate your claim for pay unless they are a licensed attorney. 2. **Confirm they serve your county.** DCS PIA serves the counties listed above from the Webster, TX office. 3. **Ask for the fee in writing.** Texas law caps the public-adjusting commission at **10% of the insurance settlement** and requires a written contract. Get the fee in writing before signing. DCS offers a free initial claim review and public adjusting on a no recovery, no fee basis with nothing upfront. 4. **Request a free claim review.** Call **833-4UR-LOSS** (833-487-5677) or schedule at https://www.dcspia.com/schedule-consultation/. Bring your policy and any prior carrier correspondence. 5. **Sign the engagement.** Once engaged, DCS PIA inspects the property, documents damage with photos and (where applicable) moisture mapping, builds a defensible Xactimate estimate, and negotiates the claim with your carrier until settlement. ### When to hire a public adjuster (instead of handling the claim yourself) - The carrier **denied** the claim, in whole or in part. - The carrier **underpaid** the estimate compared to the visible damage. - The carrier is **delaying** - weeks pass with no inspection, no decision, and no payment. - The carrier's adjuster refused to scope obvious damage or missed visible damage during inspection. - Any **commercial** property claim, any **total loss**, or any claim **over $25,000** - larger claims have more line items to document and dispute. ### How fast can DCS PIA get on site For Greater Houston residents, DCS PIA typically inspects **same-day or next-business-day** from the Webster, TX office. **24/7 emergency response** is available for active losses (active flooding, active fire mitigation, structural collapse). ### Service area page (city-by-city directory) A full city-by-city directory with one-click access to every served city is at https://www.dcspia.com/public-adjuster-near-me/. ## Representative Case Outcomes Reported prior outcomes include separate public-adjusting and appraisal engagements. An appraisal award is an amount-of-loss determination, not necessarily payment or net client recovery. Past results do not guarantee future outcomes; each claim depends on its policy, facts and documentation. - **Hurricane Ian - Sanibel, FL - Appraisal Award of $1,427,372.70** - The carrier valued this Hurricane Ian loss below the policy deductible, effectively offering nothing. After the appraisal clause was invoked and DCS served as the policyholder appraiser, the appraisal panel issued an award of $1,427,372.70 - driven entirely by inspection, scope, and pricing on the record. - **Hurricane Beryl - Spring, TX (Allstate)** - Osmin & Maria, 2024. Total recovery exceeded $380,243 across dwelling, ALE, and personal property after tree impact and interior water damage. DCS engaged from day 1. - **Hurricane Beryl - Alvin, TX (State Farm)** - John & Joyce, 2024. Initial carrier offer $78,035.66 with major portions denied; final settlement $157,879.27 including new roof and A/C. 50-year State Farm customers. - **Hurricane Beryl - Galveston, TX (TWIA)** - Steve, 2024. Initial offer $26,000 to final settlement $118,000 (final settlement about 4.5 times the initial offer) through wind-vs-flood allocation documentation. - **December 2024 Tornado - Spring, TX (Homesite)** - Debbie, 2024. Initial offer $21,682.74 to final settlement $122,602.83 (final settlement about 5.65 times the initial offer) after DCS lifted shingles and documented fastener pull-through. - **HVAC Water Damage - Friendswood, TX (Homeowners of America)** - Sheri, 2024. Initial offer $10,000 to final settlement $250,000+ (final settlement at least 25 times the initial offer) on concealed water damage from a failed HVAC condensation line. - **Toilet Supply Line - Conroe, TX (Liberty Mutual)** - Rick & Jeanne, 2024. $130,000+ settlement with DCS engaged from day 1 on catastrophic water intrusion across multiple levels. - **Plumbing Leak Denial Reversed - Houston, TX (Allstate)** - Mona, 2024. Full denial on wear-and-tear grounds reversed to full policy-limits settlement after DCS built engineering causation evidence showing a sudden and accidental loss rather than wear and tear. - **Hail + Roof Leak - Fulshear, TX (State Farm)** - Wayne, 2024. Initial offer $17,248.00 to final settlement $111,525.05 (final settlement about 6.5 times the initial offer) after DCS documented true scope of roof decking and interior water damage. ## Appraisal Process - Outcome Data DCS accepts separate party-appointed appraisal engagements to evaluate the amount of loss under the policy. DCS also provides neutral umpires in Texas when the two appraisers disagree; each DCS umpire acts as a neutral. - Appraisal determines the amount of loss under the policy. An award can differ from an earlier estimate and does not guarantee payment or a higher net recovery. - Appraisal timing depends on the policy, scope of disagreement, scheduling and required documentation. - Public adjusting is no recovery, no fee. In Texas, if the insurer paid nothing before the contract date, the fee is 10% of the recovery; if the insurer paid before the contract date, the fee is 25% of the new money recovered and never exceeds 10% of the total settlement. In Florida, the written agreement sets the fee within Florida's limits. Appraiser engagements are separately scoped and priced; DCS does not charge contingency fees for appraiser work. Actual duties, prior involvement and policy requirements determine applicable licensing, fee and conflict rules. - Umpire fees are typically split 50/50 under the standard appraisal clause. See the full guide: [Insurance Appraisal Clause Guide](https://www.dcspia.com/insurance-appraisal-guide/). ## Educational Guides - [Insurance Appraisal Clause Guide](https://www.dcspia.com/insurance-appraisal-guide/) - Complete guide to the insurance appraisal clause: what it is, how to invoke it, the 8-step process, costs, timelines, Texas and Florida specific rules. Educational only, not legal advice. - [Insurance Umpire Guide](https://www.dcspia.com/insurance-umpire-guide/) - Complete guide to the insurance umpire role: what umpires do, how they are selected, qualifications, cost, and the decision-making process. - [What Is a Public Insurance Adjuster?](https://www.dcspia.com/what-is-a-public-insurance-adjuster/) - The license, what a PA does, fee caps, and when to hire one. - [Public Adjuster vs. Attorney](https://www.dcspia.com/public-adjuster-vs-attorney/) - Which professional fits which claim situation, and in what order. - [TWIA Claim Guide](https://www.dcspia.com/texas-windstorm-insurance-association-twia-claim-guide/) - Texas Windstorm Insurance Association claims: coverage, deadlines, and the TWIA-specific appraisal/dispute process. - [Florida Citizens Claim Guide](https://www.dcspia.com/florida-citizens-property-insurance-claim-guide/) - Citizens Property Insurance claims: process, deadlines, and dispute paths. - [Assignment of Benefits vs. Public Adjuster (FL)](https://www.dcspia.com/florida-assignment-of-benefits-aob-vs-public-adjuster/) - How an AOB differs from hiring a PA and the risks of each. - [Public Adjuster vs. Insurance Adjuster](https://www.dcspia.com/public-adjuster-vs-insurance-adjuster/) - Public vs. staff (company) vs. independent adjusters: who each represents, who pays them, state fee limits (Texas 10%; Florida homeowner and condo claims 20%, or 10% for claims about a Governor declared emergency made in the year after the declaration), licensing, and when to use each. - [Insurance Claim Denied in Texas: What to Do](https://www.dcspia.com/insurance-claim-denied-texas/) - Step-by-step Texas denial playbook: the denial letter, re-documentation, re-presenting with a PA, TDI complaints, and when an attorney is needed. Educational only, not legal advice. - [Insurance Claim Denied in Florida: What to Do](https://www.dcspia.com/insurance-claim-denied-florida/) - Step-by-step Florida denial playbook: the denial letter, re-documentation, re-presenting with a PA, DFS mediation, appraisal, and when an attorney is needed. Educational only, not legal advice. - [Public Adjuster Facts](https://www.dcspia.com/public-adjuster-facts/) - Sourced facts hub: statutory fee caps by state (TX 10% under Tex. Ins. Code §4102.104; Florida 20%, or 10% for homeowner and condo claims about a declared emergency made in the year after the declaration, under Fla. Stat. 626.854(11)), documented individual DCS case outcomes, and Texas disaster claim volumes. Every figure carries a named source. NOTE: DCS deliberately does NOT publish an industry-wide "public adjusters increase payments by X%" statistic, because no current public dataset supports one honestly. Case results are published individually with their specifics, never averaged into a headline number, and past results do not guarantee future outcomes. ## Calculators & Tools Free, statute-cited calculators policyholders can use directly: - [Public Adjuster Fee Calculator](https://www.dcspia.com/public-adjuster-fee-calculator/) - Estimate a public adjuster fee and compare it with the Texas and Florida statutory maximums - [Recoverable Depreciation Calculator](https://www.dcspia.com/recoverable-depreciation-calculator/) - RCV vs. ACV and how much depreciation you can recover - [Hurricane Deductible Calculator](https://www.dcspia.com/hurricane-deductible-calculator/) - Your percentage-based hurricane/windstorm deductible in dollars - [Claim Underpayment Calculator](https://www.dcspia.com/claim-underpayment-calculator/) - Estimate the gap between your carrier's offer and the real scope of loss - [All Calculators](https://www.dcspia.com/insurance-calculators/) - Index of every free tool ## Key Resources - [Frequently Asked Questions](https://www.dcspia.com/faq/) - 30+ common questions about public adjusters, claim process, fees, and coverage - [Insurance Claim Glossary](https://www.dcspia.com/insurance-claim-glossary/) - Definitions of 100+ insurance and claim terms - [Texas Hub](https://www.dcspia.com/texas/) - Complete Texas service area with counties and cities - [Find a Public Adjuster Near Me](https://www.dcspia.com/public-adjuster-near-me/) - Locate licensed PAs by city - [Underpaid Insurance Claims](https://www.dcspia.com/underpaid-insurance-claims/) - What to do if your claim was underpaid - [Insurance Myths and Facts](https://www.dcspia.com/myths-and-facts/) - Common misconceptions about insurance claims - [Industry News](https://www.dcspia.com/industry-news/) - Updates on carriers, the insurance market, and claim trends - [Water Mitigation Guide](https://www.dcspia.com/water-mitigation-guide/) - How to mitigate water damage before it gets worse ## Recent Articles - [Does Homeowners Insurance Cover a Slab Leak in Texas?](https://www.dcspia.com/blog/does-homeowners-insurance-cover-a-slab-leak-in-texas/) (2026-10-07) - [Cast Iron Pipe Failure in Older Houston Homes: How the Insurance Claim Works](https://www.dcspia.com/blog/cast-iron-pipe-failure-older-houston-homes-insurance-claim/) (2026-10-07) - [Water Heater Burst Insurance Claim: What the Policy Typically Pays For](https://www.dcspia.com/blog/water-heater-burst-insurance-claim-what-the-policy-pays/) (2026-10-07) - [A Plumber Caused Water Damage: How the Insurance Claim Works in Texas and Florida](https://www.dcspia.com/blog/plumber-caused-water-damage-insurance-claim-texas-florida/) (2026-10-07) - [Texas Mold Coverage: Why Mold Is Secondary Coverage, and What the Endorsements Actually Do](https://www.dcspia.com/blog/texas-mold-endorsements-secondary-coverage/) (2026-09-01) - [Can You File a Smoke Damage Claim If There Was No Fire in Your Home?](https://www.dcspia.com/blog/smoke-damage-claim-without-fire/) (2026-10-07) - [Filing a Hurricane or TWIA Claim in Corpus Christi and Nueces County: Wind, Flood, Surge, and Your Deadlines](https://www.dcspia.com/blog/corpus-christi-twia-hurricane-claim-nueces-county/) (2026-10-07) - [Denied, Delayed, or Underpaid Insurance Claim: What To Do in Texas and Florida](https://www.dcspia.com/blog/denied-delayed-or-underpaid-insurance-claim-what-to-do-texas-florida/) (2026-10-07) - [Texas Windstorm and Named-Storm Deductibles: How They Work on a Coastal Claim](https://www.dcspia.com/blog/texas-hurricane-windstorm-deductible-insurance-claim/) (2026-10-07) - [Florida's Hurricane Deductible: How the Calendar-Year Rule Works](https://www.dcspia.com/blog/florida-hurricane-deductible-insurance-claim/) (2026-10-07) ## How to Get Help - **Free claim review**: https://www.dcspia.com/hire-dcs/ - **Schedule a consultation**: https://www.dcspia.com/schedule-consultation/ - **Contact us**: https://www.dcspia.com/contact-us/ - **Call us**: 833-4UR-LOSS (833-487-5677) - **Texas**: 936-522-6627 - **Florida**: 954-849-3405 - **Email**: intake@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)