Your Insurance Policy Is a Contract. We Fight to Make Sure It Pays What It Promises.
We represent you, not the insurance company, in every aspect of your property insurance claim.
What a Public Adjuster Does and Why It Matters
When your property is damaged, you have an obligation to notify your insurer and cooperate with the claims process. But cooperation does not mean accepting whatever the insurance company offers. You have the right to be represented by a licensed professional who works exclusively in your interest.
A public adjuster reads your policy, identifies all applicable coverage, documents all damage, prepares the claim, and negotiates the settlement on your behalf. We know the policy language, the documentation standards, and the negotiation process. You do not have to navigate this alone.
Joshua Osteen, the founder of DCS, worked as a field adjuster and team lead for insurance carriers from 2010 to 2017. He has seen claims from both sides of the table. That experience is what he brings to every claim he handles for our clients. There is no substitute for knowing how the other side thinks.
"There is an old saying that only a fool represents themselves. In a property insurance claim, the stakes are too high and the process too complex to navigate without someone who knows the rules. We know the rules."
- Joshua Osteen, Licensed Public Adjuster, TX LIC # 2237777
What We Do for You
Policy Review and Coverage Analysis
We read your entire policy, identify all applicable coverages, and flag any endorsements or exclusions that affect your claim. Most policyholders have coverage they do not know about.
Thorough Property Inspection
We inspect every affected area of your property, including areas the insurance adjuster may not examine. We document all damage with photographs, measurements, and detailed written descriptions.
Detailed Damage Estimation
We prepare a comprehensive, line-item damage estimate using industry-standard estimating software. Our estimates account for all labor, materials, and code-required upgrades.
Claim Preparation and Submission
We prepare and submit all required claim documentation including the proof of loss, damage inventory, and supporting evidence. We ensure all deadlines are met and all requirements are satisfied.
Negotiation and Settlement
We negotiate directly with the insurance company adjuster on your behalf. We know the common tactics used to minimize claims and how to counter them with evidence and policy expertise.
Contingency Fee Structure
We work on contingency. Our fee is a percentage of the settlement we obtain. If we do not recover additional funds, you owe us nothing. No recovery, no fee.
Why DCS
Joshua Osteen worked for insurance carriers as a field adjuster and team lead from 2010 to 2017. He knows how claims are evaluated from the inside.
Licensed Public Adjuster in Texas (TX LIC # 2237777) and Florida. Hillary Baker is also licensed in Texas (TX LIC # 3448858).
Level 2 Xactimate certified. Xactimate is the industry-standard estimating software used by insurance companies. We speak their language.
Our team has extensive experience handling property insurance claims across Texas and Florida.
We work on contingency. No recovery means no fee.
We are available to our clients throughout the entire claims process. You will always know where your claim stands.
Your Policy Is a Parachute. We Fight to Make Sure It Opens.
You paid for your coverage. When the plane is going down, you jump and expect the parachute to open. We are here to fight for you.
