Vendor and contractor partners network

Partner with Dependable Claims Specialists

Join our network of trusted contractors and service providers

We collaborate with qualified contractors, restoration companies, and service providers to deliver exceptional results for our policyholders while growing your business.

Join Our NetworkCall 833-4UR-LOSS

Why Partner with Dependable Claims Specialists?

Real, compliant value for the trades we work alongside - credibility, cleaner documentation, and a smoother path to payment. No referral fees, no fee-splitting. Ever.

Professional Credibility

Membership signals that you meet our standards - licensed, insured, experienced, and reference-checked. It is a marker of professional standing among the trades we trust on jobsites, not a paid placement.

Documentation Channel

When you are on a property loss the policyholder has us adjusting, scope and pricing are documented to a line-item standard. A clean, well-supported scope generally makes your invoices easier to reconcile against the policy proceeds.

Estimating Know-How

We are happy to share how a defensible Xactimate scope is built - region price lists, rebuild specifications, and code-upgrade line items - so your estimates align with how carriers actually evaluate the work.

A Clear, Compliant Lane

Everyone stays in their lane: we adjust, you build. No fee-splitting, no referral payments, no contractor adjusting the claim. That separation - required by Tex. Ins. Code Ch. 4102 and Fla. Stat. 626.854 - protects your license and the policyholder.

Trusted Working Relationships

When the policyholder asks us who does good work, we can speak to the trades we have seen perform well in the field. The basis is your work product and professionalism - never a payment to or from us.

Policyholder-First, Always

Our duty runs exclusively to the insured. Working with a public adjuster who represents the homeowner means the scope reflects what the policy properly owes - which keeps the whole job grounded and reduces friction at payment time.

Network Specialties

Specialized partnership programs for different trades with tailored benefits and support

Plumbing Contractors

Leak repairs leading to cabinet and flooring work

Roofing Contractors

Storm damage assessments to full roof replacements

Water Mitigation

Emergency mitigation to reconstruction projects

HVAC Contractors

System damage to full replacement opportunities

General Contractors

Small repairs to major reconstruction projects

Flooring Specialists

Water damage to complete flooring replacement

Electrical Contractors

Lightning damage to full electrical upgrades

Restoration Companies

Contents cleaning to specialty restoration services

Network Requirements

We maintain high standards to ensure quality service for our policyholders and successful partnerships.

Licensed & Insured

Valid contractor license and comprehensive insurance coverage

Proven Experience

Minimum 3 years experience in insurance restoration work

Quality References

Verifiable references from recent insurance restoration projects

Professional Standards

Commitment to quality workmanship and customer service

Responsive Communication

Ability to respond quickly to project opportunities and updates

Ready to Partner?

Join our network of trusted, vetted contractors and build a clean, compliant working relationship with a policyholder-first public adjuster.

Apply to Join NetworkCall 833-4UR-LOSSpartners@dcspia.com

How It Works

Our streamlined process makes it easy to join our network and start receiving projects

1

Apply

Submit your application with credentials and references

2

Review

We verify your credentials and check references

3

Approval

Get approved and added to our preferred contractor network

4

Start Collaborating

Join the trades we trust on jobsites and work claims documented to a clean, line-item standard

What Partnering Actually Gives You (and What It Does Not)

It is worth being direct about this, because a lot of contractor "networks" in the insurance space quietly cross legal lines. Public adjusting in Texas and Florida is a regulated profession. A licensed public adjuster cannot pay a contractor for a referral, cannot split or share its fee with a contractor, and cannot promise or sell leads. So our partnership is not, and legally cannot be, a pay-to-play lead pipeline. What it can be is something more durable: a professional relationship built on trust, documentation, and shared standards.

What we genuinely offer

  • Credibility - a vetted standing among trades we have seen do good work.
  • A documentation channel - line-item scopes that make your invoices easier to reconcile against policy proceeds.
  • Estimating knowledge - how carriers price and evaluate work, shared openly.
  • A policyholder-first scope - grounded in what the policy properly owes, which reduces payment friction.
  • A clean, defensible relationship that protects your contractor license.

What we will never do

  • ×Pay you a referral fee or kickback for sending us a client.
  • ×Accept a referral fee or kickback from you for sending you work.
  • ×Split, share, or rebate any portion of our public-adjusting fee.
  • ×Guarantee or sell leads, or condition leads on any payment or membership tier.
  • ×Advocate for your scope or pricing if it diverges from what the policy properly owes.

Why the no-fee-sharing rule actually works in your favor

It can feel counterintuitive that the law forbidding fee-sharing is good for contractors. But consider what referral-fee arrangements do to a job: they create a financial incentive for a public adjuster to push a scope toward whoever is paying for the referral, rather than toward what the policy owes. That is exactly the conflict regulators wrote these rules to prevent. Texas Insurance Code Chapter 4102 governs public-adjuster licensing and conduct in Texas, and Florida Statute 626.854 (together with Florida Administrative Code Chapter 69B-220) does the same in Florida - both draw a hard line against fee-splitting and contractor-adjusting.

Because there is no money changing hands between us, the scope we document is exactly what we believe the policyholder is owed - nothing inflated, nothing padded for a referral partner. That is precisely the kind of clean, defensible scope that gets paid. A contractor working a properly adjusted claim is building from a documented foundation, not improvising against a carrier estimate. The independence is the value.

How Public Adjusters and Contractors Work Together

Public insurance adjusters and restoration contractors play distinct, complementary roles on a property loss. The public adjuster represents the policyholder in measuring, valuing, and negotiating the claim with the insurance carrier. The contractor performs the physical mitigation, repair, or reconstruction work the policyholder hires them to do. Each is independent, paid by the policyholder out of the insurance proceeds for the work each one performs, and accountable to the policyholder - not to each other.

Texas Insurance Code Chapter 4102 and Florida Statute §626.854 together with Florida Administrative Code 69B-220 set out clear boundaries for this relationship. A public adjuster may not split fees with a contractor, may not pay or receive referral compensation tied to claim work, and may not solicit policyholders on behalf of a contractor. Conversely, contractors should not adjust insurance claims, draft proofs of loss, or negotiate the amount of loss - those activities require a public adjuster license. Our professional partnerships are limited to legitimate, transparent collaboration on the policyholder's behalf, with the policyholder remaining the principal at all times.

For contractors who serve insurance-related work, knowing how a properly-documented Xactimate scope is built - and matching their estimate methodology to the carrier's region price list, rebuild specifications, and code-upgrade requirements - usually leads to faster, cleaner project payment. We are happy to share that knowledge with the trades we encounter on claims, even outside any formal network relationship.

Vendor & Contractor FAQ

Does DCS pay contractors for referrals?

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No. Public adjusters in Texas and Florida are prohibited from paying referral fees to contractors or splitting fees on insurance claims. The relationship between a public adjuster and a contractor is not a referral arrangement - each professional is independently engaged by the policyholder for the work they perform.

Can a contractor act as a public adjuster on a claim?

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No. Negotiating the amount of loss, drafting a proof of loss, or otherwise adjusting an insurance claim on behalf of an insured is a licensed activity in Texas (Tex. Ins. Code Ch. 4102) and Florida (Fla. Stat. §626.854). A contractor without a public adjuster license should perform construction work and let a licensed PA or the insured handle the claim adjustment.

How does a contractor get paid on a claim?

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The policyholder is the carrier's insured and the party paid by the carrier under the policy. The policyholder then contracts with and pays the contractor for the work performed. On a public-adjusted claim, the property scope and pricing have typically been documented to a higher standard, which generally makes contractor invoices easier for both the policyholder and the carrier to reconcile against the policy proceeds.

What documentation should a contractor keep on insurance work?

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Photos of pre-construction conditions, daily progress photos, moisture maps and drying logs (water work), demolition photos, change orders, code-required upgrades documented separately from the original scope, and final-condition photos. Documentation that supports a line-item Xactimate scope is the gold standard. The same documentation that supports the claim also protects the contractor on payment disputes.

Does network membership guarantee leads?

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No. We do not, and as a matter of public-adjusting law cannot, guarantee leads in exchange for any compensation, fee, or membership status. Membership signals professional standing and helps us identify trades we trust on jobsites - nothing more.

Whose interests does the public adjuster represent on a job a network contractor is performing?

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The policyholder's. Always. We do not represent the contractor, do not advocate for the contractor's scope or pricing if it diverges from what the policy properly owes, and do not have any financial interest in the contractor's work. Our duty is exclusively to the insured.

If DCS does not pay for or sell leads, what is the real benefit of joining?

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The benefit is professional credibility, a documentation channel, and shared estimating knowledge - not paid leads. Membership signals that you meet our vetting standards (licensed, insured, experienced, reference-checked), so when a policyholder asks us who does good work we can speak to the trades we trust based on their performance. On a claim we are adjusting, scope and pricing are documented to a line-item standard, which generally makes your invoices easier to reconcile against the policy proceeds. None of this involves any payment to or from us, because public-adjusting law prohibits that.

Why does the law prohibit fee-splitting between public adjusters and contractors?

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Fee-splitting and referral payments create a financial incentive for an adjuster to shape a claim toward whoever is paying, rather than toward what the policy actually owes. Texas Insurance Code Chapter 4102 and Florida Statute 626.854 (with Florida Administrative Code Chapter 69B-220) prohibit these arrangements to keep the adjuster's duty aligned with the policyholder. For contractors, that independence is a feature: a scope documented with no referral money attached is exactly the kind of clean, defensible scope that gets paid.

Can a contractor recommend DCS to a homeowner, or DCS recommend a contractor?

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A contractor may tell a homeowner that licensed public adjusters exist and that the homeowner can choose to hire one - general information is fine. What a contractor cannot do is act as a public adjuster (negotiating the loss, drafting a proof of loss) without a license, or take payment for steering a claim. Likewise, DCS can speak to the quality of trades it has seen perform well, but never in exchange for any fee. The homeowner always chooses their own professionals.

Does a public-adjusted claim help a contractor get paid faster?

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It can, indirectly. When the loss is documented to a line-item Xactimate standard with photos, scope notes, and code-upgrade items broken out, there is less back-and-forth over what the work entails and what it should cost. That clarity tends to reduce disputes at payment time. The policyholder is still the party paid by the carrier and the party who then pays the contractor - but a cleaner record generally makes that reconciliation smoother for everyone.

What are the requirements to join the DCS network?

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A valid contractor license and comprehensive insurance coverage; meaningful experience in insurance restoration work; verifiable references from recent projects; a demonstrated commitment to quality workmanship; and responsive communication. We vet credentials and check references before adding a trade to the network. Membership is about standards and trust, not a paid placement.

Ready to Grow Your Business?

Join our network of trusted, vetted contractors and build a clean, compliant relationship with a policyholder-first public adjuster. No referral fees, no fee-splitting - just professional standards and well-documented claims.

Apply NowCall 833-4UR-LOSS
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