A boutique Florida public adjusting firm with white-glove service. When you call, you talk to the owner — not a junior adjuster. Free claim review. No recovery, no fee.
5.0★ on Google · Licensed FL #W026874 · Mon–Sat 10am–6pm
Every hurricane brings a unique set of challenges. Insurance companies may undervalue your claim, delay payments, or deny your claim altogether. We are adept at overcoming these obstacles. Our extensive experience with Florida regulations, insurance policies, and the specific challenges of hurricane related claims means we're uniquely equipped to advocate for your rights, ensuring your insurance coverage is fully leveraged.
When dealing with damage due to hurricane, a frequent hurdle is an undervalued claim. Insurance companies, aiming to minimize their payouts, might not fully recognize the extent or cost of the damage to your property. We leverage its in-depth understanding of Florida regulations and insurance policies to ensure every detail of your loss is accurately assessed. Our adjusters meticulously document your damages, employing industry-leading tools and techniques to appraise the true value of your claim. We negotiate assertively with your insurance company, presenting compelling evidence to counteract any attempts to undervalue your claim, ensuring you receive the compensation you deserve.
Delayed payments are another significant challenge in the aftermath of a hurricane. An insurance company can be slow to handle claims, especially during the high volume of claims following a storm. This delay can severely impact your ability to repair and recover. We understand the importance of swift measures. Our team proactively communicates with your insurance company, emphasizing the urgency of your situation. By streamlining the procedure and holding the insurer accountable for timely responses, we work to expedite your payment, minimizing the waiting period and facilitating a quicker recovery for you and your family.
Perhaps the most daunting challenge is a denied claim. Denials can occur for various reasons, including discrepancies in policy interpretation or claims that the damage was not caused by the hurricane. We stand as your advocate in these scenarios. With seasoned attorneys and a thorough knowledge of insurance law, we scrutinize the insurer's reasons for denial, challenging inaccuracies and advocating for a reevaluation of your claim. Our team is prepared to escalate the matter, leveraging legal avenues if necessary, to ensure your rights are protected and your claim is given the fair consideration it merits. In all these challenges, our commitment is unwavering: to navigate the complexities of a hurricane claim on your behalf, ensuring your insurance company fulfills its obligations. Our expertise and dedication mean that you have a powerful ally in your corner, ready to fight for the cover and payout you rightfully deserve.
Real results
Real first offers and final numbers from claims Joe Ford worked. No client names.
Hurricane Ian · condo association · Fort Myers
First offer
$3,055.68
Total recovered
$551,611.71
The insurance company's first number was $3,055.68 — for an entire association. Joe re-documented the full building loss and pushed the claim far past that first number.
Associations: read your carrier's estimate line by line.
Frontline · Hurricane Ian · home, other structures & contents
Carrier estimate
$42,870.78
Appraisal award
$179,045.14
Award amount (replacement cost), not cash paid.
We sent our estimate and an engineer's report, demanded appraisal, and took the claim through a full appraisal with an umpire.
Keep every repair receipt — held-back depreciation is only paid when you prove the work was done.
Tower Hill · Hurricane Ian · home · Punta Gorda
First offer
$2,500
Total recovered
$117,543.10
Joe sent a full estimate and negotiated with Tower Hill's desk adjuster for months.
If your hurricane offer feels low, it probably is. Get a second opinion.
Selected claims, not typical results. Every claim is different, and past results do not guarantee future outcomes. Case-study narration uses an AI version of Joe Ford's voice. Footage is illustrative, not the client's property.
Struggling with hurricane damage? Dolphin Claims is your nearby champion in navigating the tumultuous waters of insurance claims. With our award-winning public adjusting firm nestled in the heart of Florida, we're not just close by; we're right where you need us. Our expertise? Securing the compensation you rightfully deserve for the damage to your home or business. When the storm hits, Dolphin Claims is your beacon of hope, ensuring your insurance company covers every aspect of your hurricane damage insurance claim near me.
Understanding the distinction between hurricane and flood damage claim is crucial for homeowners seeking compensation after a storm. Typically, standard homeowner insurance policies distinguish between these two types of damage, offering hurricane coverage that may not necessarily include flood damage. This differentiation often leads to confusion and uncertainty when filing a claim for storm-related damages. Flood damage, defined by insurance companies as water damage that comes from outside the property, inundating it due to natural events like hurricanes, is usually not covered under standard hurricane or homeowners insurance policies. This gap in coverage necessitates the purchase of separate insurance, which is available through national programs and some private insurers. Flood insurance includes damage to your property's structure and belongings due to flooding, offering a safeguard against this specific risk. Our public adjuster specializes in clarifying these distinctions for every homeowner, ensuring they understand their coverage and the importance of additional insurance in hurricane-prone areas. Our expertise extends to advising on the appropriate deductible and rates, reducing the financial burden of premiums while maximizing protection. In cases of damage, whether from wind or water, we act as a crucial intermediary, ensuring that claims are correctly filed, documented, and argued, securing the best possible claim for damages, injuries, or accidents that occur as a result of hurricanes. Moreover, should disputes arise regarding the coverage or settlement of a claim, we offer access to skilled attorneys experienced in insurance law, ready to advocate on your behalf. Our goal is to ensure that your insurance, whether for hurricane or flood, adequately covers damage to your building and personal property, reflecting the true cost of recovery and repairs. In essence, we empower every homeowner to navigate the often complex landscape of insurance claims following hurricanes, focusing on ensuring comprehensive protection against all forms of storm-related damage.
Navigating the aftermath of a hurricane can feel overwhelming. We are here to provide clear, step-by-step guidance, ensuring your hurricane insurance claim is handled efficiently and effectively. Our goal is to maximize your claim's potential, ensuring you receive the compensation you need to rebuild and recover.
This procedure is designed to be comprehensive yet straightforward, guiding you through each step with our expertise. Remember, our team is here to support you from the moment disaster strikes until you are fully compensated and on the path to recovery.
We stand out in the Florida public adjuster landscape for its unparalleled efficiency and effectiveness in handling hurricane damage claims. Our founder, Joe Ford, brings decades of invaluable experience to the table, establishing a firm that’s become synonymous with speed, reliability, and successful outcomes for hurricane-induced damages. This reputation is built on a foundation of understanding the urgency that every homeowner feels post-incident and the critical need for a prompt response to mitigate further loss and begin the recovery journey. Our approach is designed to expedite the procedure from the moment disaster strikes. Recognizing the importance of swift action, we advise every homeowner to file your claim right away, leveraging our expertise to navigate the complexities of insurance policies and claim filing. This immediate response is crucial, especially given that policyholders have 1 year from the date of loss to file a new claim and 18 months for supplemental claims under § 627.70132 (post-SB 2A, effective December 16, 2022). This is materially shorter than the prior 3-year deadline. However, early filing significantly enhances the likelihood of a faster resolution. In the unfortunate event of personal harm or property damage caused by windstorms, our team of skilled adjusters works diligently to ensure that your insurance claim comprehensively covers the extent of the damages. Our procedure is thorough, from documenting the damage in detail to negotiating assertively with insurance companies, ensuring that your claim is not undervalued. Moreover, our commitment to our clients extends beyond the procedure. Should legal issues arise, we offer access to an expert lawyer or attorney who specialize in insurance and personal injury law. This legal support ensures that our clients' rights are vigorously defended, whether it’s securing fair payout for rain or windstorm damages or addressing more complex settlements involving injury or casualty insurance. Homeowners across Florida trust us for our dedication to securing the claim they deserve without delay. Our fast, efficient claim procedure, backed by expert knowledge and legal support, makes us the public adjusters chosen by homeowners for navigating the aftermath of a hurricane with confidence and ease.
We operate with a singular mission: to ensure your insurance company delivers on its promise of protection, especially in the aftermath of a hurricane. Understanding the stress and uncertainty that comes with property loss, we prioritize your peace of mind by taking a proactive approach to your insurance claim. Our team of seasoned adjusters brings unparalleled expertise in documenting and assessing the extent of damage to your property, whether it's visible destruction like roof damage or more insidious harm caused by flooding. Our process begins with a thorough documentation of property loss, capturing every detail to build a compelling case for your claim. This meticulous approach extends to all aspects of your property and possessions, including damages to your home, vehicle (auto), and even the potential impact on your mortgage or credit cards due to the financial strain of hurricane or storm damage. We understand that the repercussions of a hurricane can affect every facet of your financial stability, and we're here to ensure that your insurance policy responds accordingly. By leveraging our deep understanding of insurance policies and the intricacies of hurricane-related damages, our public adjuster adeptly navigates the negotiation process with your insurance company. Our goal is not just to file your claim but to maximize its value, ensuring that you receive the highest possible claim for your losses. This commitment to advocacy is what sets us apart, as we tirelessly work to hold an insurance company accountable for their coverage obligations. Our negotiation tactics are informed by a comprehensive analysis of your policy's coverage, including the fine print that could affect your claim's outcome. Whether it's understanding how policies cover hurricane damage in relation to deductibles, exclusions, and limits or navigating the complex procedure for additional living expenses, we are your ally. We ensure that every claim—be it for your home, auto, or other property affected by the hurricane—is addressed promptly and thoroughly, minimizing the financial impact on your life. In essence, we embody the vigilant guardian of your rights against an insurance company, guaranteeing that your claim is not just acknowledged but fully compensated. Our dedication to your recovery and financial well-being is unwavering, as we navigate the procedure with expertise, determination, and a deep commitment to achieving justice for homeowners across Florida.
Don't let hurricane damage set you back. We are here to ensure you receive fair compensation for your damaged property. Our team has settled over $50 million in claims, a testament to our commitment and success in helping insured clients like you. Whether it's residential or commercial, water damage, or a denied insurance claim, we are your trusted ally. Contact us today and take the first step towards recovering what you've lost due to a hurricane.
60-second videos
The lower their findings, the higher their profits. A claim is one big negotiation.
Each side picks an appraiser, an umpire decides if they disagree — and it settles the number outside of court.
On two-story homes the drone finds the cracks, chips and loose tiles a ladder can't reach.
Their first check is an opening bid, not a final number.
Joe Ford, Licensed Public Adjuster W026874. Some narration uses an AI version of Joe's voice.
No upfront fees. No recovery, no fee.
No upfront cost. Takes about 60 seconds.
What happened to your property?
Rather talk? Call (954) 204-9376
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