Pembroke Pines, 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 Pembroke Pines, Broward 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 | Pembroke Pines ZIPs: 33024, 33025, 33026, 33027, 33028, 33029, 33082, 33084 |
| Landmarks/areas | Pembroke Lakes Mall, C.B. Smith Park |
| 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) |
Broward County has been impacted by Hurricanes 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 Pembroke Pines 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.
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.
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.
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.
Dolphin Claims is your trusted public adjuster in Pembroke Pines. With years of experience and over $50 million in settled claims, we stand out as the premier choice for all your public adjusting needs in Florida. Our founder, Joe Ford, brings decades of expertise to the table, ensuring you get the best possible service in the area. Whether it's a residential or commercial property damage claim, our skilled public adjusters are here to guide you through the process. We're not just a company; we're your ally in navigating the complexities of insurance claims. From hurricane damage in South Florida to water damage in your home, Dolphin Claims is your proxy in dealing with insurance companies as the public adjuster Pembroke Pines community trusts.
As a local Pembroke Pines public adjuster, we're acutely aware of the urgency and sensitivity that comes with handling damage claims. Whether you're grappling with the aftermath of a natural disaster in your Broward County home or addressing fire damage at your Miami business, we recognize that time is of the essence. Our team of licensed adjusters is adept at streamlining the claim process for both residential and commercial clients, ensuring a prompt and equitable insurance settlement.
In the realm of residential property damage, every moment counts. Our public adjusters are well-versed in the nuances of handling diverse types of damages — from water intrusion in your Pembroke Pines residence to fire damage in Lauderdale homes. We take swift action to assess the extent of the damage, document every detail, and initiate the claims process with your insurance company. Our aim is to minimize the disruption to your daily life, helping you to quickly return to a sense of normalcy. By leveraging our comprehensive understanding of property insurance, we labor tirelessly to secure the maximum deal for your home damage claim, ensuring that your reclamation is not just swift but also complete. As seasoned public claims adjusters, we efficiently navigated the complexities of my commercial property insurance claim, whereas an insurance adjuster works on the insurance company's side. We make sure we fight for your privileges, unlike what insurance adjusters do.
For business owners, property damage can mean not just structural, but also a significant impact on operations and revenue. Recognizing this, our public adjuster brings a focused approach to managing commercial damage claims. Whether it's storm damage to your beachfront property or fire damage in a business complex, our team is equipped to handle it all. We understand that businesses require a different level of attention and a quicker resolution to prevent prolonged disruptions. Our public adjusters are skilled in negotiating with insurance providers, ensuring that your claim is not just fairly compensated but also expedited. We aim to reduce the downtime your business experiences and assist in a speedy procedure to normal business operations. In both residential and business scenarios, we stand as your staunch advocate as an expert Florida public adjuster. We offer a suite of services for your convenience. We take on the complexities of dealing with insurance companies, allowing you to focus on what matters most — your home, your business, and your recovery.
Navigating the intricacies of your insurance policy can often feel overwhelming. As a premier private adjusting firm in Florida, we're dedicated to simplifying this process for you. Our adept public adjuster, specialized in insurance adjusting, delves deep into the specifics of your claim, whether it involves homeowners insurance, business insurance, or specialized property insurance.
As your trusted public adjuster, we don't just handle your claim; we advocate for your maximum entitlement under your policy. Understanding your insurance claim is the first step towards a successful deal. Let us take on the complexity and guide you to a fair and just resolution.
Choosing us as your trusted public adjuster means partnering with experienced public adjusters in Pompano Beach, Pembroke Pines, FL and beyond. Our public adjuster's unparalleled experience in claims adjusting is your advantage. We've successfully negotiated settlements for everything from fire damage in residential areas to large-scale business property damages. Don't let your insurance company may dictate the terms of your settlement. Our dedicated public adjusters work tirelessly to ensure you get the maximum compensation you deserve. From the initial claim process to the final settlement, we're with you every step of the way. If you're in need of professional private adjusting services in Pembroke Pines, FL, don't hesitate. Call Dolphin Claims today for a free inspection or assessment and let us help you achieve the best deal for your property damage claim.
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 Pembroke Pines 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 Pembroke Pines ZIPs: 33024, 33025, 33026, 33027, 33028, 33029, 33082, 33084. Our coverage extends to neighboring areas in Broward 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.
