Dolphin Claims

Award-Winning Public Adjusters in Florida

Over $50 million settled. We work for you — never insurance companies.

What is a Public Adjuster?

A public adjuster is a licensed insurance professional who works for you, the policyholder — not the insurance company. We assess your damage, document your loss, and negotiate directly with your insurer to maximize your settlement.

Why Hire Dolphin Claims?

  • Florida-licensed (DFS license you can verify)
  • Over $50M in settlements for Florida property owners
  • Fast turnaround — we know the carriers, we know the law
  • No recovery, no fee — we only get paid if you do
  • Serving 60+ cities across Florida

When Should You Call a Public Adjuster?

  • Your claim has been denied or underpaid
  • You don't trust the insurance company's adjuster
  • The damage is significant (hurricane, fire, water, mold)
  • You want to maximize your settlement without the stress

Real results

What a public adjuster did on these claims

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 · 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.

60-second videos

Claim tips from Joe

Dolphin Claims in 60 seconds

They lowball, delay and send their own engineer. Here's how we push back.

What does a public adjuster do?

The insurance company has adjusters. A public adjuster is the only one who works for you.

Game 1: The lowball first offer

Their first check is an opening bid, not a final number.

The lever: appraisal

The biggest lever on a stuck claim — and sometimes just demanding it moves the number.

Joe Ford, Licensed Public Adjuster W026874. Some narration uses an AI version of Joe's voice.

Free Claim Review

Call (954) 204-9376 or send us your claim details below.

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What happened to your property?

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