In Daz select the surfaces Tab on the left.
Then select Tools at the top and select Surface Selection.
You can now select a surface and apply a texture to it.

Under Advanced You will see Diffuse / Color, Select Little black
triangle go to Browse    and select the Texture you want
.You my need to create a bump map for transparencies
One thing you could do is load different objects and see how its put together
Like Hair and check the different surfaces and see what’s making it Look
the way it does. Once you see it its not to hard to figure out.
If You look at Color bar and there is a name under it click on the name and
select Browse that will take you to the folder that texture is in.
If the color bar just has a black triangle click on the triangle and browse
to a texture or materials folder and select the tex you want. Play with
the adjustments until you get it the way you want.
Good Luck and happy rendering

Lighthorse
FalconArts.Com