Best Public Adjuster in Homestead: The 10-Point Test
Homeland Public Adjusters serves Homestead and nearby Palmetto Bay, Kendall and Coral Gables, and all of Miami-Dade County. A licensed Homeland public adjuster comes to your property within hours, so there’s no need to visit an office. Serving Florida property owners since 2006, we have handled claims across Miami-Dade, Broward, Palm Beach, Collier, Lee and Orange counties and across the state, in English and Spanish.
Every public adjuster says they’re the best. Florida law gives you a way to check. Here are 10 tests, the law behind each one, and how Homeland measures up. Check us, and check anyone else you’re considering.
- Licensed in Florida (W818638) and New Jersey (3003982360)
- Representing property owners since 2006
- 5.0-star Google rating
- No Recovery, No Fee
- 24/7, in English and Spanish
A licensed public adjuster calls you back. 24/7, in English or Spanish.
How Homeland Answers the Questions to Ask Any Public Adjuster
- Active individual and firm license
- Firm: Florida W818638, New Jersey 3003982360. Each adjuster’s own license number and DFS record are listed under Verify Homeland.
- Complaints and discipline
- BBB A+. Look up any license on the DFS licensee search before you sign.
- Who handles your claim
- A licensed Homeland public adjuster handles your file and comes to your property. Our adjusters are named, with their license numbers, under Verify Homeland.
- A documented process
- Five steps, from your call to payment. See How It Works.
- Fee explained in writing
- Our fee is explained in your written agreement before you hire us. Florida caps the fee at 20% of claim payments, and 10% for claims from a declared state of emergency during the first year (Fla. Stat. §626.854(11)(b)). No Recovery, No Fee.
- Reachable, on site within hours
- 24/7 at (305) 783-3777. A licensed Homeland adjuster comes to your property within hours, anywhere in Florida.
- Bilingual
- English and Spanish, on the phone, at your property and in writing.
The Florida law behind each of the 10 tests is on our Florida 10-point test page. Warning signs and common online claims are answered in Public Adjuster Myths vs. Florida Law.
How It Works: 5 Steps
- Call Homeland first. Call (305) 783-3777 in Florida or (732) 517-3777 in New Jersey, 24/7, in English or Spanish, before you sign anything or throw anything out.
- A licensed adjuster comes to you. A licensed Homeland public adjuster comes to your property within hours and inspects, photographs and measures the damage.
- We document and file the claim. We write a line-item estimate, report the claim for you, or re-open a claim that was denied, underpaid or closed.
- We negotiate with your insurer. We meet the insurer’s adjuster, present the full claim and negotiate it, start to finish. You don’t have to deal with the insurer alone.
- You get paid. Payment goes to you, and our fee is explained in your written agreement before you hire us, within the limits Florida law sets (Fla. Stat. §626.854(11)(b)). No Recovery, No Fee.
Verify Homeland
Check us before you hire anyone. Every license below links to its public record on the Florida Department of Financial Services licensee search.
- Homeland Public Adjusters Corporation: Florida public adjusting firm license W818638 · New Jersey public adjuster firm license 3003982360
- Yeni Martinez, President: Florida public adjuster license P103370 (licensed since 2007) · New Jersey 3003714097 · designated primary adjuster
- Alberto Enriquez: Senior licensed public adjuster, Florida P112658
- Yisel Dieguez: Licensed public adjuster and Xactimate estimator, Florida W873884 · New Jersey 3003714335
- Nelson Avila: Florida adjuster license G332385 · Florida Certified Contractor CRC1331322 · property insurance appraiser and umpire
- Complaints and reputation: BBB A+ rating · 5.0-star Google rating
- Serving property owners since 2006, in English and Spanish. Office: 8004 NW 154th Street, Suite 609, Miami Lakes, FL 33016. Florida (305) 783-3777 · New Jersey (732) 517-3777, 24/7.
The 10-Point Test for Any Public Adjuster in Homestead
| Test | What the law says / what to ask | Homeland |
|---|---|---|
| 1. Licensed, and you can check it | Florida public adjusters must be licensed by the Department of Financial Services. Look up any name on the DFS licensee search before you sign. | ✓ Florida agency license W818638. New Jersey firm license 3003982360. |
| 2. A track record you can verify | Ask how long the firm has been representing property owners, and who will actually handle your file. | ✓ Representing property owners since 2006. Meet the licensed team. |
| 3. Real reviews from real clients | Read reviews on a platform the adjuster doesn't control, like Google. | ✓ 5.0-star Google rating. Results and reviews. |
| 4. A written contract, with the fee in it | A public adjuster can't collect a fee on payments to you without a written contract (§626.854(6)(a)). Florida caps the fee at 20% of claim payments, and 10% for claims from a declared state of emergency during the first year (§626.854(11)(b)). | ✓ Written contract every time, within the legal limits. No Recovery, No Fee. |
| 5. Your right to cancel, explained up front | You can cancel within 10 days after signing, without penalty. After a declared emergency, the window is 30 days after the loss or 10 days after signing, whichever is longer. The notice must appear in bold, 18-point type before the signature line (§626.854(7)). | ✓ We walk you through the cancellation notice before you sign. |
| 6. A written estimate, on time | The adjuster must give you an itemized, per-unit estimate within 60 days after the contract (§626.854(12)(a)). If you don't get one, you can cancel without penalty, unless the delay was beyond the adjuster's control (§626.854(12)(b)). | ✓ Line-item Xactimate estimates written in-house by our estimator. Nelson Avila is also a Florida Certified Contractor and a property insurance appraiser and umpire. |
| 7. You choose who repairs your home | A public adjuster can't take a contract or power of attorney that gives them the authority to choose your repair contractors (§626.854(18)). | ✓ Your repairs, your contractor. We handle the claim. |
| 8. No paid referrals, no gifts | A public adjuster can't pay anyone but another public adjuster for referrals (§626.854(13)), and can't offer a homeowner a rebate, gift, gift card, cash or a deductible waiver (§626.854(23)(a)). | ✓ We follow both rules. You hire us on the merits. |
| 9. Someone you can reach, in your language | Ask who answers the phone after a storm, at night and on weekends. | ✓ 24/7, in English and Spanish. |
| 10. Experience with your kind of claim | Homes, condos, associations and businesses are handled differently. Ask for experience with yours. | ✓ Homes, condos, condo and HOA associations, and businesses, in Florida and New Jersey. Member of FAPIA, and a Business Partner member of the Community Associations Institute (CAI), Southeast Florida Chapter. |
Statutes: Fla. Stat. §626.854 (2025). Subsections (5) through (18) apply to claims under residential and condominium unit-owner policies (§626.854(19)). General information, not legal advice.
Red Flags: Walk Away If…
- A contractor or roofer offers to handle your claim. Contractors can't perform public adjuster services unless they are licensed as public adjusters (§626.854(16)).
- You're offered cash, a gift card or a deductible waiver to sign (§626.854(23)(a)).
- Someone says there's "no risk" in filing a claim. The law treats that statement in a public adjuster's ad as deceptive (§626.854(8)(a)).
- A public adjuster solicits you on a Sunday, or before 8 a.m. or after 8 p.m. (§626.854(5)).
- The contract gives the adjuster control over picking your contractors (§626.854(18)).
- You can't find the name on the DFS licensee search.
Hiring a Public Adjuster in Homestead
The storms behind the claims we see here:
- Hurricane Andrew made landfall near Homestead Air Force Base at 5:05 a.m. EDT on August 24, 1992. The National Hurricane Center reports that its impact was extreme from the Kendall district south through Homestead and Florida City.
- The National Hurricane Center reports that in Homestead, more than 99% of mobile homes (1,167 of 1,176) were completely destroyed by Andrew.
- During Hurricane Irma in 2017, the National Weather Service reported 3 to 5 feet of average storm-surge inundation along the Biscayne Bay shoreline from Homestead to Downtown Miami.
Homeland works from its office in Miami Lakes and comes to your property in Homestead. Call (305) 783-3777, 24/7. More on our local page: Public Adjuster in Homestead, FL.
Why Every Claim Deserves a Second Set of Eyes
Under a property policy, the burden of proving what was damaged and what it costs to repair is on you, the policyholder. The insurer has its own adjuster working for it. Homeland reviews every loss, large or small, and a licensed public adjuster working for you documents the damage, writes a line-item estimate and presents the full claim. Call (305) 783-3777 and we’ll review yours.
Read: Public Adjuster Myths vs. Florida Law · Is a Public Adjuster Worth It? · How to Verify a Public Adjuster License · Claim Denied or Lowballed? Every Option Compared.
Questions
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THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.