Your Insurance Policy Is a Contract. We Work 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.
DCS was founded by a former insurance carrier field adjuster and team lead with carrier-side claims handling experience from 2010 to 2017. That experience is what DCS brings to every claim handled for our policyholders. 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. DCS knows the rules."
Dependable Claims Specialists Public Adjusters · TX Firm #3134924 · FL Firm #W820363
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
DCS personnel include former carrier field adjusters and team leads with carrier-side claims handling experience from 2010 to 2017. We know how claims are evaluated from the inside.
Texas-based licensed public adjusting firm (TX Firm #3134924) with Florida licensure (FL Firm #W820363).
Xactimate Level 2 certified. Xactimate is the industry-standard estimating software used by insurance companies. We speak their language.
Extensive experience handling property insurance claims across Texas and Florida.
Public adjusting work is contingency-based: no recovery means no fee.
We are available to our policyholders throughout the entire claims process. You will always know where your claim stands.
Recent Case Studies
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. Result driven entirely by inspection, scope, and pricing on the record, not by the carrier prior position.
A 50-year State Farm customer had major portions of their Beryl claim denied. A large tree struck the front of the house with multiple limb penetrations and water flowed into seven rooms. DCS documented the full scope and reversed the partial denial. Final settlement included a new roof, new A/C unit, and full damage payments.
A Galveston homeowner with Texas Windstorm Insurance Association (TWIA) coverage received an initial offer several times smaller than the actual damage warranted. DCS negotiated the settlement up through persistent documentation and construction knowledge.
A late-December 2024 tornado swept through Spring and damaged the home. The initial Homesite scope captured only a fraction of the actual structural and roof-decking damage. DCS lifted shingles, documented fastener pull-through, and built a supplement that grew the settlement by more than 5.65×.
Extensive concealed water damage from a failed HVAC condensation line. The initial Homeowners of America offer did not account for the full scope of subflooring, wall cavity, and cabinet damage. DCS documented the complete causation and damage trail and negotiated a 25× settlement increase.
Allstate denied the plumbing leak claim in full on wear-and-tear grounds. DCS assembled engineering causation evidence, documented the prompt-payment timeline against Texas Insurance Code Chapter 542 deadlines, and negotiated a full reversal to the policy limit.
The initial State Farm offer on a hail-and-roof-leak claim captured only visible surface damage. DCS documented the true scope of roof decking, fastener pull-through, and interior water damage from the resulting leak. Final settlement was 6.5× the initial offer.
A tree fell on the home during Hurricane Beryl, causing major structural and interior water damage. DCS was engaged from the first day of the claim and documented dwelling, ALE (loss of use), and personal property in full across all coverages.
A failed toilet supply line caused extensive water damage across multiple rooms. DCS was engaged from day one and presented a fully documented claim including subfloor, cabinet, and framing damage.
A plumbing supply line leak caused extensive water damage, but the carrier's initial estimates severely undervalued the restoration scope. Through the formal appraisal process, a binding award was issued that accurately reflected the true cost of repairs, increasing the settlement by over $76,000.
The initial Allstate assessment significantly undervalued the scope of loss. Acting as the appraiser, a binding award was secured that accurately reflected the true cost to repair the property, increasing the final settlement by over $82,000.
The initial Texas Fair Plan scope for this Hurricane Beryl claim drastically undervalued the wind and storm damage. Acting as the public adjuster, the true extent of the property loss was meticulously documented and negotiated, resulting in a final settlement increase of over $81,000.
Hurricane Ian devastated Sanibel Island, and the carrier's initial offers fell severely short of the catastrophic destruction. Acting as the public adjuster, the true extent of wind and structural damage was meticulously scoped and negotiated, pushing the final settlement up by over $181,000 to cover the rebuild.
Your Policy Is a Parachute. We Work 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 advocate for you.
