West 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 West 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 | West Palm Beach ZIPs: 33401, 33403, 33405, 33406, 33407, 33409, 33411, 33413, 33415, 33417 |
| Landmarks/areas | CityPlace / Rosemary Square, Clematis Street, Norton Museum, Palm Beach International Airport |
| 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 West 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.
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.
Tower Hill · Roof · West Palm Beach
Denied
Denied · $0
Settled
$55,000
Tower Hill denied the roof claim. We sent our file to our partner attorney, and about two weeks later it settled.
A denial letter is the insurance company's opinion. It is not the final word.
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 premier public adjuster in West Palm Beach. With a rich history of serving the Palm Beach area, our team has the experience and knowledge to handle your insurance claims with unparalleled expertise. Whether it's property damage or hurricane claims, we are the adjusters West Palm Beach residents trust. Our proven track record in the insurance industry ensures that we make the process seamless and effective for you.
Selecting us as your West Palm Beach public adjuster means choosing a partner adept at navigating the complexities of various claims. We understand the intricacies of dealing with insurance companies, especially in the unique context of the environment and insurance landscape. Our team specializes in handling a diverse array of claims, including but not limited to water damage, fire damage, and the often challenging hurricane claims. Our expertise is not just limited to claim filing; it extends to a deep understanding of the insurance policies and regulations specific to Florida. This proficiency enables us to advocate effectively for your privileges, ensuring that you are not only heard but also fairly compensated. We emphasize the importance of a thorough assessment, which is crucial in identifying all aspects of damage, often overlooked in initial evaluations by insurance companies. Ats your chosen public claims adjuster, we are committed to delivering the maximum payout for your damages. Our approach combines meticulous attention to detail with aggressive advocacy on your behalf. We are well-versed in the art of negotiation, ensuring that your claim is not just processed, but optimized for the best possible solution. Our dedication to your case is unwavering, from the initial assessment to the final resolution, making us the go-to West Palm Beach public adjusters for all types of insurance claims.
Engaging with us as your public insurance adjuster is a strategic decision that places a seasoned expert in your corner. Our adjusters are not just intermediaries; they are advocates who tirelessly work to ensure your claims are evaluated accurately and comprehensively. We delve deep into the details of each claim, understanding the nuances of property damage and the complexities of insurance policies prevalent in Florida. Our role as public adjusters extends beyond mere assessment. We engage in proactive negotiations with insurance companies, a critical step where our expertise and experience come to the forefront. This negotiation is not just about numbers; it's about ensuring justice and fairness in your settlements. We understand that dealing with insurance can often feel like an uphill battle. Our commitment is to level the playing field for you. We represent your interests exclusively. This alignment with your needs transforms us from service providers to partners in your retrieval journey. The extensive experience our public adjuster brings in handling diverse damage claims across Florida equips us with unique insights and strategies, positioning us to provide unparalleled adjusting services. By choosing us as your public adjusters, you're ensuring that your claim is in skilled and dedicated hands, focused on securing the best possible outcome for you.
In the intricate world of Florida's insurance industry, having us as your public adjuster is invaluable. Our seasoned experience with public adjusters and the complexities of various insurance policies places us at a strategic advantage. We bring a nuanced understanding of the challenges unique to Palm Beach County and the broader Florida region, particularly in cases of hurricane and water damage. This specialized knowledge is critical in navigating claims successfully. Our role as public adjusters is pivotal in liaising between you and the insurance company. We understand the tactics and methodologies used by insurance companies, enabling us to counteract effectively to protect your interests. It's not just about filing a claim; it's about crafting a strategy that maximizes your settlements. Our team's expertise in interpreting policy language and identifying all possible avenues for claim enhancement ensures that no stone is left unturned in pursuing the full settlement you deserve. As your reliable public adjuster, we take pride in our ability to manage the entire claim process, from the initial assessment to the final negotiation. Our commitment is to ensure that you, the policyholder, are not lost in the complexities of the system. By choosing us as your public adjuster, you're equipping yourself with a knowledgeable ally, dedicated to maximizing your claim in an often daunting insurance landscape.
With our company, reliability and professionalism are at the core of our public adjusting services. Our team, based in West Palm Beach and extending across Florida, brings a wealth of experience and dedication to every insurance claim. We take pride in our meticulous approach, ensuring that each claim is handled with the utmost care and attention to detail. Our goal is not just to meet but exceed the expectations of our residential and commercial clients, securing optimal outcomes in their settlements.
Our public adjuster is committed to providing the most reliable public adjusting services in Florida. With our proven track record and client-focused approach, we ensure that your claims are managed effectively, leading to successful and satisfactory settlements. Contact us to know more of the solutions we offer.
Our specialization encompasses a broad spectrum of insurance claim types, focusing on both residential and commercial property damages. Our Florida public adjusters possess a deep understanding of the challenges property owners face, whether it’s navigating the aftermath of storm-inflicted roof damage or addressing the complexities of mold damage resulting from water leaks. Our proficiency extends to effectively communicating and negotiating with your chosen insurance company, ensuring that your claims are not just acknowledged but also justly compensated. Our expertise is particularly beneficial in dealing with an insurance company, known for their intricate policies and often rigorous claim evaluation processes. As the public adjuster West Palm Beach, FL residents trust, we act as your advocate, interpreting policy jargon, and translating it into actionable, clear strategies. This expertise is vital in ensuring that your property insurance claims, whether residential or commercial, are not undervalued or delayed. We are professional public adjusters who stand out in its ability to handle a diverse array of property damages. We employ a thorough and meticulous approach to each case, ensuring every claim is comprehensively assessed and all necessary documentation is meticulously prepared and presented. Our goal is to facilitate a prompt and fair settlement, alleviating the stress and burden from your shoulders, and allowing you to focus on recovery and rebuilding. With us, you can trust that your claim is in capable hands, diligently working to secure the best possible outcome for you.
Don't navigate the complex world of insurance alone. Contact Dolphin Claims today and take the first step towards fair settlements. With our experienced public insurance adjusters in West Palm Beach, FL, you're not just hiring a company; you're gaining a partner dedicated to getting you the best possible outcome. Let us represent you and manage your insurance claim process efficiently and effectively.
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 West 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 West Palm Beach ZIPs: 33401, 33403, 33405, 33406, 33407, 33409, 33411, 33413, 33415, 33417. 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.
