Joe L Ford, PCA

Joe L Ford is a Florida-licensed Public Claims Adjuster (PCA) and Managing Member of Dolphin Claims. Joe holds Florida Department of Financial Services license #W026874 and has represented Florida homeowners and business owners on over $50 million in property damage insurance claims since 2013.

Credentials

• Florida Public Claims Adjuster License #W026874 — issued by Florida Department of Financial Services. Verify at myfloridacfo.com/division/agents.
• FAPIA member — Florida Association of Public Insurance Adjusters.
• BBB-accredited firm.
• Angi Super Service Award — 2022 and 2023.

Practice areas

• Hurricane and named-storm property damage claims
• Water damage (intrusion, plumbing, roof leak, mitigation disputes)
• Fire and smoke damage claims
• Mold remediation claims and sub-limit disputes
• Roof damage (asphalt, tile, metal)
• Denied and underpaid claim recovery
• Appraisal-clause invocation and umpire-driven dispute resolution
• Commercial and HOA / condominium-association property claims
• Business interruption (time element) claims

How Joe handles a claim

Florida property insurance claims succeed or fail on scope discipline. Joe's practice is built on independent Xactimate / Symbility scoping, complete photo and video documentation of every loss area, careful policy interpretation (ACV vs RCV, hurricane deductible math, ordinance-and-law coverage, mold sub-limits), and direct negotiation with the carrier's adjuster. When negotiation stalls, Joe invokes the policy's appraisal clause to drive the dispute to a binding umpire award.

Florida regulatory framework

Joe practices under Florida Statute 626.854 (the Florida Public Adjuster Statute) and Florida's 2022 SB 2A reform. Public adjuster fees are contingency-based, with a 10% statutory cap in year one for declared emergency claims (FL Statute 626.854(11)). Every Dolphin Claims contract includes the mandatory 3-business-day right of cancellation per FL Statute 626.8796.

Coverage

Joe represents policyholders in 60+ Florida cities, with primary focus on South Florida (Boca Raton, Delray Beach, Fort Lauderdale, Miami, West Palm Beach), Southwest Florida (Naples, Fort Myers, Cape Coral), and Tampa Bay.