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Dependable Claims Specialists - Public Insurance Adjusters (DCS PIA)

Licensed public insurance adjusters serving Texas and South Florida. We represent policyholders, not insurance companies, in property damage claims. No recovery, no fee.

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-26T15:23:14.254Z. Cached copy · Source on dcspia.com

# Dependable Claims Specialists - Public Insurance Adjusters (DCS PIA)

> Licensed public insurance adjusters serving Texas and South Florida. We represent policyholders, not insurance companies, in property damage claims. No recovery, no fee.

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Last updated: 2026-10-13
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Dependable Claims Specialists - Public Insurance Adjusters (DCS PIA) is a licensed public insurance adjusting firm founded in 2017. The firm helps homeowners and business owners who have been underpaid, delayed, or denied on insurance claims. We document damage, prepare and present claims, and negotiate supported claim items. Policyholders still provide records, confirm facts and complete duties the policy requires of them personally. No recovery, no fee.

## Quick Answers

**What is a public insurance adjuster?** A state-licensed insurance professional who represents policyholders, not insurance companies, in property insurance claims. The insurer's adjuster works for the insurance company; a public adjuster works only for the policyholder. Texas licenses public adjusters under Insurance Code Chapter 4102 and Florida under Florida Statutes Section 626.854. Source: https://www.dcspia.com/what-is-a-public-insurance-adjuster/

**Do I need a public adjuster?** A public adjuster is optional. You can present a claim yourself; a public adjuster can help when the loss is large or complex. Source: https://www.dcspia.com/public-adjuster-vs-insurance-adjuster/

**How does DCS charge?** No recovery, no fee. For public adjusting, you pay nothing upfront and our fee comes out of the money recovered. In Texas, if the insurer paid nothing before you signed with DCS, our fee is 10% of the recovery. If the insurer paid before you signed, our fee is 25% of the new money recovered and never exceeds 10% of the total settlement. This Texas fee structure does not apply to Florida. In Florida, your written agreement sets the fee within the limits that apply to your claim. Appraiser and umpire work uses a separate written agreement and is never a percentage of the claim: most residential matters are a flat fee, and additional time and expenses can apply depending on the complexity of the claim. Source: https://www.dcspia.com/public-adjuster-fee-calculator/

**Can I cancel a public adjuster contract?** In Texas, you can cancel by written notice within 72 hours after signing. In Florida, you can cancel within 10 days after you sign. If the claim comes from a Governor declared emergency, you have 30 days after the date of loss or 10 days after you sign, whichever is longer. Source: https://www.dcspia.com/terms-of-service/

**Where is DCS licensed?** Texas Firm License #3134924 and Florida Firm License #W820363 are both held by Dependable Claims Specialists. Joshua Osteen holds Texas License #2237777 and Florida License #W045717. Any license can be checked through the Texas Department of Insurance and Florida Department of Financial Services public lookup tools
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Claim my listing on Agent Web Map for dcspia.com:
1. POST https://agentwebmap.com/v1/sites/dcspia.com/claims and keep claim_id and claim_secret private.
2. Publish the verification line "AgentWebMap verification: <token>" (token from step 1) in https://dcspia.com/llms.txt, or use the DNS, meta-tag or well-known method the response describes. This only verifies the listing; your website and domain remain yours.
3. POST https://agentwebmap.com/v1/sites/dcspia.com/verify with {"claim_id": "...", "claim_secret": "..."}.
4. Save the api_key from the answer; it manages the listing (PATCH https://agentwebmap.com/v1/sites/dcspia.com).
MCP equivalent: tools begin_ownership_claim, then verify_domain, at https://agentwebmap.com/mcp. Docs: https://agentwebmap.com/docs#verify

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