Expert Guidance at Every Stage of Your Insurance Claim
Whether you need a full review of a settlement offer or guidance on a specific coverage question, we provide the expertise you need to make informed decisions.
Professional Insurance Claim Guidance When You Need It Most
Property insurance claims are complex. The policy language is dense, the documentation requirements are demanding, and the stakes are high. Most policyholders navigate this process without any professional guidance and frequently leave significant money on the table as a result.
Our loss consulting services provide professional guidance at any stage of the claims process. Whether you are just starting a claim and want to understand your coverage, reviewing a settlement offer you are not sure about, or dealing with a denial you want to challenge, we provide the expertise you need to make informed decisions.
We also provide loss consulting support to attorneys handling insurance coverage litigation. We review claim documentation, prepare damage estimates, and provide expert analysis to support the legal case.
Our Loss Consulting Services
Policy Review and Coverage Analysis
We read your entire policy, identify all applicable coverages, and explain in plain language what is covered, what is excluded, and what endorsements affect your claim.
Settlement Offer Review
We review the insurance company settlement offer line by line, compare it against the actual cost of repairs, and advise you on whether it is fair and what options you have.
Denial Review and Challenge Strategy
We review claim denials, identify the basis for the denial, and advise you on the best strategy for challenging it.
Claim Documentation Guidance
We guide you through the documentation requirements for your claim, including what to photograph, what records to keep, and what information to provide to the insurer.
Negotiation Support
We provide support and guidance during settlement negotiations, including reviewing counter-offers and advising on negotiation strategy.
Litigation Support
We provide loss consulting support to attorneys handling insurance coverage litigation, including damage estimates and expert analysis.
Who Benefits from Loss Consulting
Loss consulting is a flexible service used by many different stakeholders in the property insurance claims process. Below are the four most common engagements we handle. If your situation falls outside these patterns, we still encourage a free consultation. Most claim problems fit one of these shapes.
Policyholders Handling Their Own Claim
You have decided to file and manage your insurance claim yourself, but you want a professional in your corner for the high-stakes moments: reviewing your declarations page for hidden endorsements, sanity-checking the adjuster's estimate, preparing for an examination under oath, or deciding whether to invoke the appraisal clause. We engage for specific milestones while you stay the named point of contact with the insurer.
Attorneys Handling Coverage and Insurance Litigation
You need a testifying expert on damage estimating, policy operational interpretation, or claim-handling standards. We provide Daubert-ready expert reports, sit for depositions, and give trial testimony on behalf of policyholder counsel in Texas and Florida. Our experience as former carrier-side adjusters makes us uniquely credible in explaining how a reasonable adjuster should have handled the claim.
Property Managers and HOA Boards
You manage multiple properties or common-area insurance on behalf of others and need to understand your coverage position before a storm, before signing a restoration contract, or during a dispute with the association's carrier. We provide coverage briefings, pre-loss policy reviews, and post-loss strategic guidance without taking over the formal claim.
Contractors and Restoration Companies
You are a contractor helping a homeowner through the claims process and need technical assistance understanding what the insurance company will and will not pay for. We provide Xactimate estimating support, scope-of-loss development, and supplement strategy so you can deliver the full scope of repair the policy owes. We do not engage in fee-splitting or any arrangement that would violate Texas or Florida public-adjusting laws; the policyholder remains the contracting party of record for any contingency-fee work.
The Stages of a Loss Consulting Engagement
Initial Assessment & Strategy Alignment
Every claim is unique. We begin by listening closely to your situation, reviewing your immediate concerns, and outlining the available options. We ensure that our goals align with your desired outcome, whether that is achieving a swift settlement, overturning a wrongful denial, or preparing for formal appraisal.
Deep Policy & Coverage Review
The policy language dictates everything. We conduct an exhaustive review of your policy declarations, endorsements, and exclusions. Too often, insurance adjusters misapply policy provisions or apply exclusions improperly. Our review identifies all available coverages and sets the factual and policy-grounded foundation for a defensible claim strategy.
Documentation & Evidence Gathering
Insurance companies rely heavily on documentation. We guide you on exactly what evidence is required,from pre-loss photos and maintenance records to detailed mitigation invoices and expert engineering reports. Proper documentation prevents the insurer from using "lack of evidence" as a reason to deny or undervalue the claim.
Active Negotiation Support
When the insurance company issues their estimate or settlement offer, we dissect it line by line. We equip you,or your legal counsel,with the precise arguments, counter-estimates, and policy citations needed to effectively negotiate a fair resolution. Our expertise evens the playing field against seasoned insurance adjusters.
You Do Not Have to Navigate This Alone.
Contact us for a free initial consultation. We will listen to your situation and tell you honestly what we can do to help.
Texas-First Statutory Framework Behind Loss Consulting
Loss consulting reaches across the same statutory framework that governs public adjusting, appraisal, and prompt-pay. Texas (DCS home base) and Florida statutes that touch the work.
Texas (Home Base)
DCS Firm License #3134924
- TX Ins. Code Ch. 4102. Public adjusters. Caps PA fees at 10% of recovery for public adjusting work. Requires written contract on TDI-approved form. Three-business-day cancellation right.
- TX Ins. Code Ch. 542. Prompt Payment of Claims Act. Acknowledge / decide / pay deadlines, 18% statutory interest plus attorney fees on violations.
- TX Ins. Code Ch. 542A. Pre-suit notice for weather-related property claims. Attorney work; outside the public adjusting role.
- TX Ins. Code Ch. 2210 (TWIA). Texas Windstorm Insurance Association. Statutory wind/hail insurer of last resort for 14 designated coastal counties and parts of Harris County.
- TX Ins. Code Ch. 2211 (TFPA). Texas FAIR Plan Association. Statutory residential insurer of last resort, statewide availability for policyholders unable to obtain voluntary-market coverage.
- TX Ins. Code §541. Unfair Settlement Practices. Statutory cause of action; attorney work.
- License authority: Texas Department of Insurance (TDI).
- Statute of limitations: Generally 2 years for property claims (varies by policy and loss type).
Florida
DCS Firm License #W820363
- Fla. Stat. §626.854. Public adjusters. Caps PA fees at 20% of recovery for most claims, reduced to 10% during the first year following a state-declared emergency.
- Fla. Stat. §626.9744. Matching uniform appearance. Carriers must match the rest of the line, side, room, or other continuous area when repairing or replacing damaged property.
- Fla. Stat. §627.70131. Prompt-pay statute. Following 2022 reforms, the deadline to pay or deny most residential property claims was reduced to 60 days.
- Fla. Stat. §627.70132. Supplemental and reopened claims. Three years from date of loss; longer for hurricane claims.
- Fla. Stat. §627.7015. Mandatory mediation precondition for some residential property disputes.
- Fla. Stat. §624.155. Civil Remedy Notice (CRN). Attorney work; outside the public adjusting role.
- 2022 reforms (SB 2-D, SB 2-A). Eliminated one-way attorney fees for property claims; restricted Assignment of Benefits.
- License authority: Florida Department of Financial Services (DFS).
Important. This summary is general educational information, not legal advice. The application of any statute to a specific claim, the determination of whether a denial supports a statutory cause of action, and any pre-suit or litigation strategy are legal questions for a licensed attorney in your state. DCS Public Insurance Adjusters read and apply policy language in the ordinary course of adjusting (coverage parts, exclusions, endorsements, scope), but do not provide legal advice or pursue statutory remedies.
