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
Dolphin Claims is a public adjusting firm, not a law firm. Under Florida law (FS 626.854) a public adjuster may not give legal advice or represent you in court. What we do is the claim itself: we inspect the property, document every item of damage, prepare a line-by-line estimate, and negotiate the amount of your loss with the insurance company — including through appraisal. Most claims never need a lawsuit. When an insurer denies a claim or won't pay a fair amount and you decide to involve an attorney, the claim file we've built becomes the evidence your attorney works from, and we keep handling the adjusting side.
Real results
Real first offers and final numbers from claims Joe Ford worked. No client names.
Citizens · Fire + roof · Fort Lauderdale
First payment
$9,113.38
Settled
$74,113.38
Citizens paid $9,113 on a fire claim and refused to pay for the roof. We pushed the claim toward appraisal, working with our partner law firm.
On a fire claim, smoke and soot travel further than you think.
Heritage · Reopened claim
Paid & closed
$4,457.16
Settled
$65,000
Heritage paid two small checks and called it done. We reopened the claim, and our partner law firm filed a notice of intent.
A closed claim isn't always a finished claim.
ASI / Progressive Home · Hurricane Ian · rental home roof · Royal Palm Beach
First check
$211.76
Settlement
$64,000
Their engineer said the wind wasn't strong enough to crack the roof. We documented every cracked tile and every water stain and built the full claim file; our partner attorney took it to the insurance company.
If your first check feels low, get a second opinion before you accept it.
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.
We build the file an attorney needs: dated photos and video, moisture readings, a full repair estimate, the policy language that applies, and every letter exchanged with the insurer. A complete, organized file is what lets a claim be resolved — whether that happens in negotiation, appraisal, or with your attorney's help.
You hire each professional separately, and each has a separate agreement with you. The attorney handles the legal strategy and any court filings; we handle the inspection, estimate and claim documentation. Several of our case studies settled after the policyholder's attorney used our claim file — see our case studies.
60-second videos
Joe's own hurricane claim was denied despite timestamped video. Here's what a reopened claim looks like.
Sometimes a denial is a bet that you'll go away. The letter looks final. It isn't.
Joe Ford, Licensed Public Adjuster W026874. Some narration uses an AI version of Joe's voice.
No. Only a licensed attorney can file suit or give you legal advice. A public adjuster documents, values and negotiates your property claim. If your claim needs litigation, you hire an attorney, and we can share our claim file with them at your direction.
It depends on the dispute. If the disagreement is about how much damage there is or what it costs to repair, that is a public adjuster's work, often resolved by negotiation or appraisal. If the insurer is denying coverage, or you're considering a lawsuit, talk to an attorney. See public adjuster vs. attorney.
No. Florida law does not allow a public adjuster to charge a higher percentage because a claim is litigated (FS 626.854).
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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