Palm Beach, Florida
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 Florida-licensed public adjusting firm representing policyholders only — never insurance companies — on residential and commercial property damage claims throughout Palm Beach, Palm Beach County, FL.
| Detail | Value |
|---|---|
| License | Florida DFS, License #W026874 (Joe L Ford IV) |
| Office | 1501 Yamato Road, Suite 200, Boca Raton, FL 33431 |
| Service area | Palm Beach ZIPs: 33480 |
| Landmarks/areas | Worth Avenue, The Breakers, Mar-a-Lago, Bethesda-by-the-Sea |
| 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 (43 reviews) |
Palm Beach County has been impacted by Hurricanes Frances (2004), Jeanne (2004), Wilma (2005), Matthew (2016), Irma (2017), Ian (2022), and Nicole (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 Palm Beach claim types we handle:
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.
Real results
Real first offers and final numbers from claims Joe Ford worked. No client names.
Citizens · Hurricane Ian · roof · West Palm Beach
First offer
$5,588.21
Appraisal award
$112,797.11
Citizens offered $5,588 for the roof. That wasn't close, so we invoked appraisal — a clause already in most Florida policies that settles the number outside of court.
Before you accept a roof offer, ask about appraisal.
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.
At Dolphin Claims, your trusted public adjusters in Palm Beach, we understand the complexities of navigating insurance claims. As the leading Palm Beach public adjuster, our team is dedicated to representing your interests, ensuring you receive fair compensation for property damage. Our expertise covers a wide range of scenarios, from hurricane to water damage, and our successful track record in Palm Beach County and beyond speaks for itself. Experience and knowledge are crucial in dealing with insurance companies. With over $50 million settled in claims across Florida, our adjusters have demonstrated their capability to handle even the most challenging cases. Whether it’s a damage claim or fire damage in, we are your go-to solution. Remember, when damage strikes, whether it's mold, water, or hurricane damage, our public adjuster Palm Beach experts are here to help. Contact us today for a free consultation and let us advocate for your interests.
A public adjuster is a professional who advocates for the policyholder in appraising and negotiating an insurance claim. As , our services extend across the Florida public adjusting spectrum. We specialize in claims adjusting for all types of property damage, ensuring you get the best possible settlement. From commercial insurance to residential property damage, our team of licensed public adjusters is equipped to handle it all. Our process is thorough; we evaluate your insurance policy, assess the damage, and negotiate with the insurance company on your behalf. If you're in West Palm Beach, Fort Lauderdale, or any other area in Florida, and need claim help, We are your trusted public adjuster and the best company you can find for these kind of services. We deal with insurance companies daily, ensuring that our clients receive the settlement they deserve for their property loss.
Residential property damages, such as hurricane or fire damage, can be overwhelming. Our public adjuster excels in navigating these complex scenarios. Our adjusters meticulously assess the damage to your home, ensuring every detail is accounted for in your claim. We handle the intricate process of filing and negotiating your property insurance claim, focusing on maximizing your settlement.
Commercial insurance claims, especially in bustling areas like West Palm Beach, require a nuanced approach. As a licensed public adjuster, we specialize in large-scale commercial property claims, from storm damage to water damage. Our Palm Beach public adjusters understand the commercial insurance industry intricacies, striving to minimize business interruption and maximize compensation.
Complex claims, such as those involving denied claims or extensive property loss, demand an expert approach. Our public adjuster has a history of successfully overturning denied claims and tackling high-stakes negotiations. We leverage our experience and detailed knowledge of the Florida insurance landscape to advocate effectively for your privileges, ensuring a fair insurance settlement.
Our array of public adjusting services in Florida is designed to meet the specific needs of each client. Whether you're facing a roofing damage or storm damage in West Palm Beach, our company offers tailored solutions that cover every aspect of the claims process. Our public adjusters Palm Beach team, experienced in both commercial property and homeowners insurance settlements, is adept at navigating the complexities of the insurance industry. We ensure that every client receives the fair settlement they deserve, even in the face of initially denied claims or complicated insurance policies. In Palm Beach, Florida, Dolphin Claims is celebrated for our public adjuster's client-centric approach. No matter the nature of your property damage – be it wind, mold, or other types of damage – we are committed to representing your interests to the fullest. Reach out to us today to see how we can guide you through your insurance settlement process.
Dolphin Claims, under the seasoned guidance of founder Joe Ford, stands as a beacon in the insurance industry, particularly in Palm Beach and throughout Florida. Our decades of experience in public adjusting have not only established us as industry leaders but also as fierce advocates for our clients' rights to fair settlements. Our approach to insurance adjusting is holistic and client-focused. Our public adjusters delve deep into the intricacies of each claim, whether it’s fire damage in West Palm Beach or water damage in the Miami area, ensuring that no detail is overlooked. Our expertise extends across a spectrum of damage types, from hurricane aftermath to mold damage, demonstrating our versatility and commitment to securing the best outcomes. As your seasoned public adjuster, we believe in more than just processing claims with your insurance company; we believe in building relationships to all our clients. Each client is treated with the utmost respect and attention, ensuring that they never feel like just another number. Our public adjusters work tirelessly with insurance carriers, leveraging our deep industry knowledge to advocate for your interests. It's not just about settling claims; it's about restoring lives and businesses. Trust us to navigate the complex claims process with your chosen insurance company and bring you the settlement you rightfully deserve.
60-second videos
A boutique firm on purpose. When you call, you talk to Joe.
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.
Each side picks an appraiser, an umpire decides if they disagree — and it settles the number outside of court.
Joe Ford, Licensed Public Adjuster W026874. Some narration uses an AI version of Joe's voice.
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.
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.
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.
Yes. We represent Palm Beach 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.
All Palm Beach ZIPs: 33480. Our coverage extends to neighboring areas in Palm Beach County.
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.
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.
Yes. Joe L Ford IV holds Florida Public Insurance Adjuster (All Lines) License #W026874 issued by the Florida Department of Financial Services. Verify any Florida adjuster license at myfloridacfo.com/division/agents.
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
The most common claim types we handle for residential and commercial property owners.
Each Florida carrier handles claims differently. Carrier-specific guides for the major insurers we represent policyholders against.
