Fully Funded Jobs. No Supplement Disputes. Just Build.
We partner with general contractors to ensure every insurance claim covers the full scope of the project, including overhead, profit, and code upgrades.
Why General Contractors Partner With DCS
General contractors working on insurance repair projects face a unique challenge: the scope of work is determined by an insurance estimate that is often incomplete. Missing line items, omitted overhead and profit, and undiscovered damage that surfaces during demolition can turn a profitable job into a financial dispute.
When DCS is involved from the start, the insurance estimate is reviewed and supplemented before the job begins. When additional damage is discovered during the project, we prepare and submit supplement claims quickly and professionally. Our background in construction and Xactimate estimating means we speak the same language as the contractor and the insurance company.
We also offer free documentation training for your project managers and superintendents. Proper documentation of damage and change conditions is the foundation of every successful supplement claim. We teach your team how to do it right.
Items frequently missing from insurance estimates on general contractor projects:
- - General contractor overhead and profit (10% and 10% or negotiated)
- - Code-required upgrades under Ordinance or Law coverage
- - Temporary protection, shoring, and debris removal
- - Hidden damage discovered during demolition
- - Permits, inspections, and engineering fees
- - Matching requirements for undamaged adjacent materials
How We Support General Contractors
Pre-Job Estimate Review
We review the insurance estimate before the job starts to identify missing items and ensure the scope of work is fully funded.
Supplement Preparation
We prepare and submit supplement claims for damage discovered during demolition or conditions that change the scope of work.
Code Upgrade Documentation
We document and argue for code-required upgrades under Ordinance or Law coverage.
Overhead and Profit Recovery
We document and negotiate for general contractor overhead and profit on every qualifying claim.
Dispute Resolution
When the insurance company disputes a supplement or reduces the scope, we prepare the documentation and argument to resolve the dispute.
Team Training
Free claims documentation training for your project managers and superintendents.
Free Claims Documentation Training for Your Team
We offer complimentary on-site or virtual training for your staff on how to properly document insurance claims, what to do when insurance is involved, and how to protect your customers and your business. This is not a sales pitch. It is practical education that makes your team more valuable to every client you serve.
What We Expect From Network General Contractor Partners
DCS Public Adjusters refers general contractors to policyholders whose claims involve full repair and rebuild work. Because our reputation rides on every referral, contractors in our network meet a clear set of expectations. If you are a general contractor in the Houston, Texas, or South Florida market and want to partner with us, here is what we look for.
Proper Licensing and Insurance
Required state and local licenses for general contracting, general liability coverage at appropriate limits, builders risk where required, and workers compensation. We verify these before adding a contractor to the referral network.
Multi-Trade Scope Documentation
Coordinated scope of work that captures every trade involved, code or ordinance upgrades triggered by the loss, matching considerations across surfaces, and a written narrative that reads cleanly to the carrier. Our training program covers GC-level claims documentation.
Communication With the Adjuster
Network partners coordinate with us during the claim. Respond to documentation requests, provide supplementary photographs and trade-by-trade scope when asked, and meet on-site for re-inspections when necessary.
Scope and Estimate Discipline
Repair scopes that match the documentation, line items that reflect current market pricing for materials and labor across all trades, and estimates that hold up under carrier review. We do not refer contractors who pad scope or chase Cat-event price markups.
Workmanship and Warranty
Network partners stand behind their work with written warranties on labor and pass-through manufacturer warranties on materials. Callbacks for warranty issues are handled with the homeowner outside the claim file.
Customer Experience
Policyholders are living through a disruptive event during a rebuild. Clean job sites, on-time trades, weekly schedule communication, and clear billing are baseline expectations. Negative customer feedback is grounds for removal from the referral network.
If your general contracting company meets these expectations and you want to grow your insurance-related work in the Houston market, we would welcome the conversation. Email claims@dcspia.com or call 833-4UR-LOSS to introduce yourself.
