Your insurance company has its own adjusters. Now you have yours.
Their adjuster works for the insurer. Yours represents you, not the insurer.
Adjuster Advantage is Homeland’s free app: understand your policy, keep your records ready, get prepared before a storm and, in Florida and New Jersey, have a licensed Homeland public adjuster assigned to you.
Free. No contract.
After a loss, the insurance company sends its adjuster. Who’s on your side?
Know what you’re covered for
Your policy explained in plain words, deductibles in dollars, gaps flagged before a storm.
Have the proof ready
Dated photos, documents, certificates and an inventory, private to you and authorized Homeland staff.
Know who to call
A licensed Homeland public adjuster assigned to your account in Florida and New Jersey, 24/7.
One app. Everything you need before, during and after a storm.
A home insurance app, a home inventory app and a hurricane tracker in one free app, in English and Spanish.
Your own adjuster, one tap away.
Open the app and your account is right there: your member card, your licensed Homeland public adjuster in Florida and New Jersey, a Call 24/7 button, and a Storm ready score that tells you the next step.
- Storm ready score with your next step
- Local alerts and the hurricane season countdown
- Quick actions: scan my policy, capture damage, Prep Kit
Find the gaps before the storm does.
Add your declarations page and Policy Scan gives you a plain-language summary of your coverage, limits and deductibles, in dollars, with the gaps worth knowing about. Every policy starts at 100 and loses points for each gap it finds.
- Hurricane deductible shown in real dollars
- Coverage Talk™: tap any term for a plain explanation
- Renewal Radar™: see what changed at renewal
Your records, organized before you need them.
Safety Vault™ keeps your policies, certificates, photos, videos, documents and receipts in one private place. Only you and authorized Homeland staff can see it. Capture Now™ walks you through photographing your home, room by room.
- Home Inventory, room by room
- Certificate Pack™ with expiration reminders
- Share a view-only folder with family or your agent
When a storm forms, you already have a plan.
Storm Tracker shows active Atlantic storms from the National Hurricane Center and a live radar loop. Prep Kit™ builds a checklist around who lives with you, saves as you go and works offline.
- Prep Kit™ as a PDF and offline
- Readiness Check: how ready are you today?
- Prep Alerts for your county
No more surprise renewals.
Most policies renew automatically, and many are paid by the mortgage company weeks before they end. 90DAY XPlus™ counts down to each end date and emails you 90, 75, 60, 45, 30, 15, 7 and 1 days before, while you can still make changes.
- Starts on its own when you add a policy
- Pairs with Renewal Radar™
Become a resident of Advantage Town.
A town, not a forum. Every user is a resident with a porch, conversations run down streets through plazas, associations get private halls, and Homeland holds live Town Halls. Prepare, learn and protect your property, in community.
- 11 Homeland plazas, plus new ones residents start
- Private halls for HOA, condo and co-op boards
- Live Town Halls: ask in writing, read the answer
Who you are, your policies and who to call. Offline.
The Lifeline Card™ is your emergency card: your member number, your policies, your Homeland team and the 24/7 number. Save it to your phone so you have it even when the towers are down.
A town, not a forum.
Advantage Town is the community inside the app, built for people who own property in storm country. Get your own porch, follow plazas like Roofs & Shutters and Flood & Water, start streets, knock on another resident’s door, and keep your own claim private with your adjuster. It’s about getting ready, not selling anything.
Tap around the app.
Tap the bottom bar on the phone, or the buttons here, the same way you would in the app.
See it. Report it. Residents and Homeland know.
Scroll to see how a sighting works, from the map to the report.
See what residents are seeing right now.
A live, app-only map of what residents are seeing around their homes, any time of year, not only after storms.
- Get an alert when a confirmed sighting is near your home
Report a sighting in seconds.
Pick what you see: flooding, a downed line, a tree down, roof damage, fire, a sinkhole, contamination, a water main or an outage. Add a short note and a photo. No faces or license plates.
- Need help? Check “I have damage at my property. Please have Homeland contact me.” Only your adjuster’s team sees it, and your sighting stays public without your name
“3 residents saw this.”
Other residents tap “I see it too” or mark it cleared. Every sighting opens a discussion in the matching plaza, shows the block, never an exact address, and fades on its own.
Town Sightings is not an emergency service. For a fire, a downed power line or anyone in danger, call 911 first. What to do for each type of sighting
Every tool, one free account.
Organize
Keep it all in one placeSafety Vault™FL & NJ
Your photos, videos and documents, private to you and authorized Homeland staff.
Capture Now™FL & NJ
Photograph your home before a storm, room by room.
Home InventoryFL & NJ
A room-by-room list of what you own.
Certificate Pack™FL & NJ
Wind mitigation, 4-point and roof certificates, with reminders before they expire.
Lifeline Card™FL & NJ
Your emergency card for your phone, even with no signal.
Share a FolderFL & NJ
Send a view-only folder link.
Understand your policy
Know what you havePolicy Scan™FL & NJ
Your policy, scored and explained.
Renewal Radar™FL & NJ
What changed in your new policy.
Coverage Talk™Everywhere
Insurance words in plain language.
Ask Advantage™FL & NJ
Ask questions about your policy.
Flood Lens™Everywhere
See your FEMA flood zone.
Your association can have its own adjuster too.
The master policy explained in plain words, a dated building record, reminders for the dates the board enters, and after-storm check-ins from owners, unit by unit. Built for boards and community association managers.
Level the playing field.
The difference is being ready before the loss.
| The insurance company has | Without a public adjuster | With a Homeland public adjuster* | |
|---|---|---|---|
| People | Its own adjusters and experts | You face them alone | Your own licensed public adjuster, assigned before a loss, on call 24/7 |
| Policy | Your policy, and knows it well | Fine print you have never read | Your policy already explained in plain language |
| Records | Its own records of your claim | Scattered photos and receipts | Your records organized and already on file |
| Timing | Ready the day of the loss | Scrambling to catch up | Ready the moment you call |
*Florida and New Jersey. Joining Adjuster Advantage is free and does not create a contract or agreement with Homeland Public Adjusters for any claim. Public adjusting services require a separate written agreement.
Built from nearly twenty years of claims
For nearly twenty years, Homeland Public Adjusters has represented property owners after hurricanes, fires and water losses. We kept seeing the same problems: a policy no one had read, no proof of how the property looked before, and deadlines missed in the chaos after a storm. Adjuster Advantage is what we built to fix that, before anything happens.
And if you ever need us, your claim runs on ClaimsHub, Homeland’s own claims platform, where you can follow every document, deadline and update on your claim.
What A Florida Study Found
In a 2010 study of Citizens Property Insurance claims filed in 2008–2009, the Florida Legislature's research office (OPPAGA) found that policyholders represented by a public adjuster typically received larger payments: for 2005-hurricane claims, a median of $17,187 vs $2,029; for non-catastrophe claims, an estimated $9,379 vs $1,391. Source: OPPAGA Report No. 10-06.
- "Without a public adjuster" includes policyholders represented by an attorney.
Be ready before anything happens.
Free to join. One account for the website and the app. About a minute.
Joining Adjuster Advantage is free and does not create a contract or agreement with Homeland Public Adjusters for any claim. Public adjusting services require a separate written agreement. Adjuster Advantage is not insurance, not a warning service and not a claim filing. Follow official emergency instructions and call 911 in an emergency. Adjuster Advantage™ is a free app from Homeland Public Adjusters Corporation, a licensed public adjusting firm. FL agency license W818638 · NJ firm license 3003982360.