No upfront cost. Takes about 60 seconds.
What happened to your property?
Rather talk? Call (954) 204-9376
“Joe at Dolphin Claims handled our insurance claim with the utmost professionalism and expertise.”— Jella H., Google review
The owner himself looks at your damage, policy and any offer or denial letter — no cost, no obligation.
Full inspection, photos and a line-by-line estimate. We take over every call with your insurer.
We push for the full amount your policy owes. You pay nothing unless we recover.
Google reviews
Real reviews from the policyholders we've represented across South Florida.
Based on 34 Google reviews
Jella Huyen
2024-05-08
Joe at Dolphin Claims handled our insurance claim with the utmost professionalism and expertise. He was attentive, thorough, and made sure we were fully informed every step of the way. His dedication to achieving the best outcome for us was clear from the start. We couldn’t have asked for a better adjuster than Joe.
Jonathan Faccento
2024-05-06
Joe from Dolphin Claims was a lifesaver during our claim process. As public adjusters, Joe and his team demonstrated unparalleled dedication and expertise. They took the time to explain every part of the process, and their attention to detail was incredible. Joe’s commitment to ensuring we got the best possible outcome was truly impressive.
Lommy Greenhands
2024-05-03
The public adjusters at Dolphin Claims are fantastic. Their thorough understanding of insurance claims and proactive approach helped us navigate through our claim with ease. The team was communicative, supportive, and worked tirelessly to ensure we were treated fairly by our insurance. We felt completely supported throughout our journey with them.
Nick Lovell
2024-04-29
I had the pleasure of working with Dolphin Claims for my fire damage claim and I couldn't be more pleased with the outcome. Their team was professional, meticulous, and truly cared about getting me the best settlement possible. They handled everything with such finesse that I was left stress-free throughout the process. If you're in need of an adjuster, Dolphin Claims is the way to go. They exceed expectations!
Bradly Altman
2024-04-19
Joe provided exceptional service during our time of need. His expertise as a public adjuster, combined with his genuine care for our situation, made a significant difference in our claim process. Joe's dedication to achieving the best outcome for us was evident throughout.
Nancy Pigerberg
2024-04-17
Dolphin Claims offers unmatched public adjuster services in Fort Lauderdale. Their team, especially Joe, exemplifies professionalism and expertise. Joe's approach to handling our claim, his attention to detail, and his commitment to securing the best outcome for us were exceptional. Highly recommend their services!
Case studies
24 selected Florida claims (not typical results): $457,953 in first offers and payments became $2,349,962 in settlements and awards. Tap a video to hear how.
Selected claims, not typical results. Every claim is different, and past results do not guarantee future outcomes. Some settlements involved our partner law firm. Case-study narration uses an AI version of Joe Ford's voice. Footage is illustrative, not the client's property.
How we work your claim
Your insurer's adjuster works for the insurance company. We work only for you — here's the whole process, start to settlement.
We read your policy and tell you what it should cover.
Roof to floor, inside and out — not a 20-minute walk-through.
Evidence your insurer can't wave away.
Priced to what repairs actually cost in Florida.
Every call, letter, inspection and deadline.
We don't take the first lowball offer.
Our fee comes only from what we recover.
You don't have to talk to the insurance company again. Once we're hired, every call and letter comes to us.
Honest pricing
Florida public adjusters work on contingency. Your claim review is free, there's nothing to pay upfront, and our fee comes out of what we recover after you hire us. On residential and condo-unit claims, Florida law caps it at 10% for declared-emergency (e.g. hurricane) claims made in the first year, and 20% otherwise — with no fee at all on money your insurer paid or agreed to pay before you hired us, and none on your deductible. Your exact fee is set in writing before we start.
Max fee by Florida law: $10,000
That's the 10% cap — you keep at least $90,000. No fee on your deductible or on anything your insurer paid or agreed to pay before you hired us, and a 1% cap if the insurer pays policy limits right away. Your exact fee is in writing before we start.
Get my free claim reviewSend us the offer or denial letter. We'll review it for free and tell you honestly whether it's worth fighting.
Free second look
Denials and lowball offers are common, and many can be challenged. We review your claim for free and tell you straight whether there's more money on the table.
Free reviewDenied, delayed or underpaid
Perfect for: policyholders whose claim was denied, stalled, or paid far less than the repair estimate.
Did the insurer's estimate miss hidden damage? We document it line by line and file a supplement.
Up to 18 months after the loss
Citizens, Universal, Heritage and more — we know how each carrier handles Florida claims.
Every major Florida carrierWho we are
Dolphin Claims is a small, highly efficient public adjusting firm — on purpose. Joe Ford has lived in the Boca Raton area since 1990, and he works your claim himself. You get white-glove service: Joe takes over the claim, keeps you informed at every step, and fights for the full amount your policy owes.
“When you call, you talk to me — the owner of the firm. Not an apprentice with six months of experience.”
— Joe L Ford IV, owner & licensed public adjuster
Angi Super Service 2023
Angi Super Service 2022
Services
Homes and businesses, big losses and small. If your property is damaged and your policy should cover it, we can help you get paid.
Hurricane, water, fire, roof and mold damage to your home. We document every room and every line item, then negotiate for you.
Offices, retail, condos and multifamily — including business interruption and income loss.
Missing shingles, leaks and hidden damage insurers love to call “wear and tear.”
Fees capped at 10% in year one on declared-emergency claims under Florida law.
Got a denial letter or a lowball check? We review it free and tell you if it's worth reopening.
Also: Water Damage · Fire Damage · Mold Damage · Roof Damage · Wind Damage · Storm Damage · Flood Damage · Denied Claims · Underpaid Claims · Business Interruption · Income Loss
Book my free claim review →Florida deadlines
1 year to file · 18 months to supplementUnder FL Statute 627.70132 you have 1 year from the date of loss to file a new windstorm or hurricane claim, and 18 months for a supplemental claim. Miss it and the insurer can refuse to pay.
New claim
1 year from loss
Supplemental claim
18 months from loss
Estimate based on FL Statute 627.70132 for windstorm and hurricane claims. Your policy may differ — we confirm your exact deadline for free.
Storm just hit? Call before you sign anything or throw anything away.Take photos and video, make temporary repairs to stop more damage, and keep every receipt. We'll take it from there.
From the 9-part series
Their first check is an opening bid, not a final number.
One report, from someone they hired. Bring your own expert, photos and weather data.
Sometimes a denial is a bet that you'll go away. The letter looks final. It isn't.
The biggest lever on a stuck claim — and sometimes just demanding it moves the number.
Joe Ford, Licensed Public Adjuster W026874. Some narration uses an AI version of Joe's voice.
FAQ
A public adjuster is a Florida-licensed insurance professional who works for the policyholder — never the insurance company. We scope, document, file, and negotiate property damage insurance claims to maximize the policyholder's settlement.
Florida public adjusters work on contingency — typically 10–20% of the settlement. Hurricane and other declared-emergency claims are capped at 10% in year one under FL Statute 626.854(11). No upfront fees; no recovery, no fee.
No. Your claim review is free and there are no upfront fees. We're paid a percentage of what we recover for you, and the fee is set in writing in your contract before we start. No recovery, no fee.
Yes. We review denial letters and settlement offers for free and tell you honestly whether the claim is worth reopening. Under FL Statute 627.70132, supplemental claims can be filed up to 18 months after the date of loss.
Under FL Statute 627.70132 (effective Dec 16, 2022), policyholders have 1 year from the date of loss to file a new windstorm or hurricane claim, and 18 months for supplemental claims.
Dolphin Claims is based at 1501 Yamato Road, Suite 200, Boca Raton, FL 33431, and serves all of Florida — including Fort Lauderdale and the rest of Broward County, — 60+ cities including Boca Raton, Delray Beach, Miami, Naples, Tampa, and Orlando.
Joe Ford, the owner. Dolphin Claims is a boutique, highly efficient firm on purpose: when you call, you talk to Joe — not an apprentice with six months of experience — and he works your claim himself, start to finish. Joe has lived in the Boca Raton area since 1990.
Yes. Joe L Ford IV, holds Florida Public Claims Adjuster License #W026874. Dolphin Claims holds Florida Public Adjusting Firm License #G043699. Verify any Florida license at myfloridacfo.com/division/agents.
Still have a question? Call (954) 204-9376 · Mon–Sat 10am–6pm · What is a public adjuster?
White-glove service from a boutique firm. When you call, you talk to the owner. Free claim review, no upfront fees — and Joe has lived in the Boca Raton area since 1990.
Hurricane damage? Fees are capped at 10% in year one. How fees work →
Mon–Sat 10am–6pm
No recovery, no fee · Licensed FL #W026874 · 5.0 on Google
Florida property owners face hurricanes, tropical storms, roof leaks and water damage that can turn into mold within days — and insurers who know the rules better than most homeowners do. A licensed public adjuster levels that playing field: we document the loss, read the policy, and negotiate for the full amount owed.
Florida law sets strict deadlines and fee caps for public adjusters. Read how Florida public adjuster law and SB 2A reform affect your claim.
Dolphin Claims is a boutique, highly efficient firm: you deal directly with the owner, Joe Ford, who has lived in the Boca Raton area since 1990— not an apprentice with six months of experience. Our clients' reviews earned us Angi Super Service Awards in 2022 and 2023, and some homeowners and business owners come to us after another adjuster couldn't get results. We've settled over $50 million for our clients, with white-glove, owner-led service. We're headquartered at 1501 Yamato Road, Suite 200, Boca Raton, and Joe L Ford IV holds Florida Public Adjuster License #W026874.
Service areas
Headquartered at 1501 Yamato Road, Suite 200, Boca Raton, FL 33431. Serving 60+ cities statewide.
Don't see your city? See all 60+ Florida locations or call (954) 204-9376.
