Dolphin Claims

What does a public adjuster do?

A public adjuster is a Florida-licensed insurance professional who works for the policyholder — never the insurance company. We scope, document, file, and negotiate property damage insurance claims to maximize the policyholder's settlement.

How much does a public adjuster cost in Florida?

Florida public adjusters work on contingency — typically 10–20% of the settlement. Hurricane and other declared-emergency claims are capped at 10% in year one under FL Statute 626.854(11). No upfront fees; no recovery, no fee.

Where is Dolphin Claims located?

Dolphin Claims is headquartered at 200 E Las Olas Blvd, 14th Floor, Fort Lauderdale, FL 33301, and serves all of Florida — 60+ cities including Boca Raton, Delray Beach, Miami, Naples, Tampa, and Orlando.

How long do I have to file a property damage claim in Florida?

Under FL 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.

Is Dolphin Claims licensed?

Yes. Joe L Ford, PCA, holds Florida Public Claims Adjuster License #W026874. Dolphin Claims is a FAPIA member and BBB-accredited. Verify any Florida license at myfloridacfo.com/division/agents.