
Public Adjusters in Miami Lakes, FL — At a Glance
Dolphin Claims is a Florida-licensed public adjusting firm representing policyholders only — never insurance companies — on residential and commercial property damage claims throughout Miami Lakes, Miami-Dade County, FL.
| Detail | Value |
|---|---|
| License | Florida DFS, License #W026874 (Joe L Ford, PCA) |
| Headquartered | 200 E Las Olas Blvd, Fort Lauderdale, FL 33301 |
| Service area | Miami Lakes ZIPs: 33014, 33016, 33018 |
| Landmarks/areas | Main Street Miami Lakes, Don Shula's Hotel |
| Fee | Contingency 10–20%; 10% cap year one for declared-emergency claims (FL Statute 626.854) |
| Response | Free claim review within 24 hours; onsite inspection within 48–72 hours |
| Settled | $50M+ across 60+ Florida cities |
| Reviews | 5.0 / 5.0 on Google (34 reviews) |
Why Miami Lakes property owners file public-adjuster claims
Miami-Dade County has been impacted by Hurricanes Andrew (1992 — Cat 5), Wilma (2005), Irma (2017), and Ian (2022). The 2022 Florida insurance reform (SB 2A) shortened the new-claim deadline from 3 years to 1 year, with 18 months for supplemental claims (§ 627.70132).
Common Miami Lakes claim types we handle:
- Wind / hurricane roof damage (asphalt shingle, tile, metal)
- Water intrusion through windows, sliders, and roof penetrations
- Pool cage / screen-enclosure damage
- Stucco and exterior cladding damage
- Mold from delayed water remediation
- Commercial property damage and business-interruption claims
- Condominium and HOA association claims
How a Miami Lakes public adjuster increases settlements
Per the Florida Office of Program Policy Analysis & Government Accountability (OPPAGA Report 10-06), policyholders represented by public adjusters received settlements averaging 747% higher on residential claims and 574% higher on commercial claims than unrepresented claimants.
The Public Adjuster Miami Lakes, FL Community Recognizes For Exemplary Service
Dolphin Claims is the public adjuster Miami Lakes, FL, residents trust for unparalleled service. With a legacy of excellence in public adjusting across South Florida, our team has settled over $50 million in claims, specializing in a range of situations from hurricane to water damage claims. Our founders, David and Joe, bring decades of experience to advocate fiercely for your rights. When you choose Dolphin Claims, you're not just getting an insurance adjuster; you're gaining a committed partner ready to navigate the complexities of insurance claims on your behalf. Let us show you why our expertise and dedication make us the Miami public adjuster the community stands behind.
Specified Public Adjusting Services For Unique Cases Such As Theft And Vandalism
Facing damages due to theft or vandalism in Miami Lakes? Our public adjuster excels in managing specialized services for these distressing situations. We understand the nuances of property insurance and are adept at handling claims that other adjusters might overlook. Our approach ensures that your insurance company acknowledges the full extent of your loss, securing the compensation you deserve. With our comprehensive knowledge about an insurance policy and process, we're committed to transforming your experience from daunting to empowering. Discover how our meticulous attention to detail and relentless advocacy can help you.
Navigating Theft Claims With Precision
When theft leaves you feeling vulnerable, trust our public adjusters to navigate your insurance claim with precision. Our experienced adjusters meticulously document your damages, ensuring every stolen item is accounted for in your claim.
- Inventory Assessment: We conduct a thorough inventory of missing items, valuing each according to current market rates.
- Evidence Collection: Gathering police reports, purchase receipts, and photographs as undeniable proof of ownership and loss.
- Negotiation With Insurers: Our adjusters leverage their expertise to negotiate with insurance companies, advocating for a settlement that reflects the true value of your stolen property.
Our detailed approach guarantees that your theft claim is robust, leaving no room for insurance carriers to undervalue your damages and losses.
Expert Handling Of Claims Related To Vandalized Properties
Vandalism can cause significant damage to your property, affecting both its value and your peace of mind. Our public adjuster specializes in handling vandalism claims with an expert touch.
- Damage Assessment: Detailed inspection of all vandalized property, documenting the extent of damage for a comprehensive claim.
- Repair Cost Evaluation: We collaborate with trusted contractors to accurately estimate repair costs, ensuring your settlement covers every aspect of restoring your property.
- Advocacy and Support: Our adjusters are your champions, negotiating with insurance agencies to secure a fair and just settlement for vandalism damages.
With us, you have a partner committed to recovering the maximum compensation, allowing you to repair and move past the vandalism with ease.

Public Adjusters Serving Diverse Clients Across South Florida
We are proud to serve a broad spectrum of clients throughout South Florida, from Miami Lakes to the bustling streets of Palm Beach and the serene beaches beyond. Our expertise covers residential to commercial insurance claims, including water damage, fire damage, and more. Whether you're dealing with the aftermath of a hurricane or navigating the challenges of a denied insurance claim, our adjusters are equipped to secure the best possible settlement for you. Our commitment to excellence and client satisfaction has made us the go-to public adjusters for those seeking justice against insurance agencies.

Why Should You Hire A Public Adjuster For Storm Damage
Expertise In Storm Or Hurricane Damage Assessment
Storm damage can be complex and extensive, affecting not just the surface but the very structure of your home or business property. Hiring a public adjuster from our firm brings specialized expertise in property damage assessment to the table. We have a keen eye for the subtleties of hurricane damage, ensuring nothing is overlooked. We meticulously evaluate every aspect of your property, identifying both visible and hidden damages caused by the storm. This comprehensive assessment is crucial in forming the foundation of your claim, ensuring that all damages are accounted for and accurately represented to your insurance company.
Strategic Negotiation Skills
Navigating the negotiations with insurance carriers can be daunting. Our public adjusters possess strategic negotiation skills that are critical in these discussions. We understand the language of an insurance policy and how to effectively communicate your needs and the extent of your damages. Our experience in the industry allows us to anticipate insurers' tactics and counter them, ensuring that your settlement is not undervalued. Our goal is to achieve a settlement that truly compensates for your losses, and our negotiation expertise is key in making that happen.
Streamlining The Claims Process
The aftermath of a storm in Miami Lakes can be overwhelming, with numerous tasks demanding your attention. Hiring us to manage your hurricane damage claim means you have one less burden to worry about your home or business property. We can streamline the process, handling all the paperwork, documentation, and communication with your insurance company. We ensure that your claim is filed correctly and promptly, adhering to all necessary protocols and deadlines. This not only speeds up the process but also reduces the chances of errors that could delay or jeopardize your claim. With Dolphin Claims, you can focus on recovery and rebuilding, knowing that your settlement is in capable hands.

Come And Visit Our Miami Lakes Office For A Consultation
Ready to take the next step? Our Miami Lakes, FL office welcomes you for a personalized consultation. Meet our professionals, learn more about how we can assist you with your residential or business related insurance claim, and start the journey to a successful settlement today. Whether it's hurricane, water, fire damage, or any other challenge you face in Miami Lakes, FL, Dolphin Claims is here to provide the professional support and guidance you need. Contact us now to schedule your free consultation and discover how we can help you with our services navigate your claim to the best possible outcome.

Frequently Asked Questions — Miami Lakes
How much does a public adjuster cost in Miami Lakes?▾
Florida public adjusters charge a contingency fee — typically 10–20% of the settlement. For declared-emergency claims (e.g., hurricanes), Florida Statute 626.854(11) caps the fee at 10% during year one after the loss and 20% thereafter. No upfront fees. No fee if there's no recovery.
How long do I have to file a hurricane claim in Miami Lakes?▾
Under Florida 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. This is shorter than the prior 3-year deadline.
Which insurance carriers do you handle claims against in Miami Lakes?▾
All Florida-admitted carriers, including Citizens Property Insurance, Universal Property & Casualty, Tower Hill, Heritage, American Integrity, Slide Insurance, People's Trust, Homeowners Choice, Florida Peninsula, FedNat, and Frontline. Surplus-lines carriers and Citizens depopulation transitions are also handled.
Do you handle commercial claims for Miami Lakes businesses?▾
Yes. We represent Miami Lakes commercial property owners on retail, office, hospitality, restaurant, and HOA / condominium-association claims. Business interruption, code-upgrade (Ordinance & Law) coverage, and complex commercial-package policies are common scope items.
What ZIP codes in Miami Lakes do you serve?▾
All Miami Lakes ZIPs: 33014, 33016, 33018. Our coverage extends to neighboring areas in Miami-Dade County.
Can a public adjuster reopen my denied or underpaid Miami Lakes claim?▾
Yes. Under Florida law, you can hire a public adjuster after the insurance company has issued a denial or low payment. We review the policy, scope the loss with industry-standard estimating software (Xactimate / Symbility), and pursue supplemental, reopened, or appraisal-process resolution within Florida's 18-month supplemental-claim window.
How fast can you start work on my Miami Lakes claim?▾
Free claim review within 24 hours. Onsite inspection scheduled within 48–72 hours of contract execution. Florida law requires a mandatory 3-business-day cancellation window (FL Statute 626.8796), after which we begin scoping, documentation, and notice-of-loss filing.
Is Dolphin Claims licensed in Florida?▾
Yes. Joe L Ford holds Florida Public Claims Adjuster License #W026874 issued by the Florida Department of Financial Services. Dolphin Claims is a member of FAPIA (Florida Association of Public Insurance Adjusters) and BBB-accredited. Verify any Florida adjuster license at myfloridacfo.com/division/agents.
Free Claim Review
No upfront fees. No recovery, no fee.
Public adjusting services in Miami Lakes
The most common claim types we handle for residential and commercial property owners.
Carrier-specific claim help in Miami Lakes
Each Florida carrier handles claims differently. Carrier-specific guides for the major insurers we represent policyholders against.
