BEST PUBLIC ADJUSTER · MARTIN COUNTY

Best Public Adjuster in Martin County: The 10-Point Test

Half of Martin County's homes were built in 1986 or earlier, and Hurricane Milton's five tornadoes there in October 2024 affected 278 structures. Before you hire help with a storm claim, check any adjuster against the 10 tests.

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

Call Homeland First: (772) 807-3777

Get a Free Claim Review

A licensed public adjuster calls you back. 24/7, in English or Spanish.

What Makes a Martin County Claim Different

Tornadoes inside a hurricane

NWS Melbourne reported five tornadoes in Martin County during Hurricane Milton in October 2024, with 278 structures affected, 28 with major damage and 29 destroyed. Tornado damage tends to be sharp and uneven. One house can lose its roof while the next looks fine. That pattern can lead to a quick inspection that misses twisted framing, lifted roof decking or damage hidden behind ceilings and walls.

Many mobile homes

Census estimates show 7,306 mobile homes in Martin County, about 8.8 percent of its housing units (ACS 2020-2024). Mobile homes are often insured under their own type of policy, with terms that can differ from a standard homeowners policy. Wind can shift a unit, loosen tie-downs or tear skirting and carports. Documenting the frame, the anchoring and the attached structures matters as much as the roof.

Flood claims outside the mapped zone

FEMA counts only 3,905 of Martin County's 67,665 residential structures in the Special Flood Hazard Area, yet 9,539 residential flood contracts were in force in August 2026. Many owners outside the high-risk zone carry flood coverage. A homeowners policy excludes flood, so water that rises from outside is a separate flood claim. When rain and wind damage mix with rising water, each claim needs its own clear record.

Martin County by the Numbers

Topic	Fact	Source
Median year built	Martin County had 83,121 housing units with a median build year of 1986 (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Mobile homes	The county had 7,306 mobile homes, about 8.8 percent of its housing units (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Flood hazard area	FEMA counts 3,905 of 67,665 residential structures in the Special Flood Hazard Area and 9,539 residential flood contracts in force (August 2026).	FEMA (OpenFEMA)
Flood premium discount	Martin County reached Community Rating System Class 5 in 2023, a 25 percent flood premium reduction for unincorporated homes in the Special Flood Hazard Area.	Martin County
Milton tornadoes	Hurricane Milton brought five tornadoes to Martin County in October 2024, with 278 structures affected, including 28 with major damage and 29 destroyed.	NWS Melbourne
Hurricane Irma claims	Insurers reported 5,282 Hurricane Irma claims in Martin County to the state (data as of November 2020).	Florida OIR
Roof-age rule	Florida law bars insurers from refusing to issue or renew a homeowners policy solely because a roof under 15 years old is that age (2025 statutes).	Fla. Stat. 627.7011 (2025)

Questions to Ask Any Public Adjuster About a Martin County Claim

Will you inspect for tornado damage a quick walk-through can miss? Milton's five tornadoes in Martin County left 28 structures with major damage and 29 destroyed in October 2024. Tornado damage is uneven, so attic, framing and ceiling checks can matter more than the view from the street.
Have you handled claims on mobile homes? Martin County had 7,306 mobile homes (ACS 2020-2024). Their policies and damage patterns differ from site-built houses, so you want someone who knows how to document anchoring, frames and attached structures.
How do you handle an insurer that points to my roof's age? Half of Martin County's homes date to 1986 or earlier, so roof age comes up often. Florida law limits refusals based only on roof age, and a storm claim should rest on the damage the storm caused.

The 10-Point Test, and How Homeland Answers

Licensed, and you can check itFlorida agency license W818638. New Jersey firm license 3003982360.
A track record you can verifyRepresenting property owners since 2006. Meet the licensed team.
Real reviews from real clients5.0-star Google rating. Results and reviews.
A written contract, with the fee in itWritten contract every time, within the legal limits. No Recovery, No Fee.
Your right to cancel, explained up frontWe walk you through the cancellation notice before you sign.
A written estimate, on timeLine-item Xactimate estimates written in-house by our estimator. Nelson Avila is also a Florida Certified Residential Contractor and a property insurance appraiser and umpire.
You choose who repairs your homeYour repairs, your contractor. We handle the claim.
No paid referrals, no giftsWe follow both rules. You hire us on the merits.
Someone you can reach, in your language24/7, in English and Spanish.
Experience with your kind of claimHomes, 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.

The Florida law behind each test, with the subsection, is on our Florida 10-point test page. Warning signs and common online claims are answered in Public Adjuster Myths vs. Florida Law. Hiring a public adjuster is always optional.

Martin County Questions

A tornado hit my Martin County home during Hurricane Milton. Is that a wind claim?

Tornado damage is generally wind damage under a homeowners policy, but which deductible applies can depend on your policy's terms. NWS Melbourne confirmed five tornadoes in the county during Milton. Because tornado damage can be hidden in framing and roof decking, a full inspection matters. Call Homeland first, before repairs beyond basic protection, so the damage is documented as you found it.

I'm outside the flood zone in Martin County. Is storm water damage covered?

It depends on how the water got in. Rain that enters through a wind-damaged roof or window is often a homeowners claim. Water that rises from outside is flood, which a homeowners policy excludes. FEMA counts 9,539 residential flood contracts in Martin County (August 2026), many outside the high-risk zone. Call Homeland first so the source of the water is documented clearly.

Can an insurer refuse my Martin County policy just because my roof is old?

Florida law says an insurer may not refuse to issue or renew a homeowners policy solely because the roof is under 15 years old. For roofs 15 years or older, the insurer must allow an inspection, and it may not refuse coverage solely for age if the roof shows 5 or more years of useful life. If storm damage is involved, call Homeland first.

How much does a public adjuster charge in Florida?

Florida caps the fee at 20% of claim payments, and at 10% for claims from a declared state of emergency during the first year after the declaration (Fla. Stat. §626.854(11)(b)). The fee must be in a written contract.

Homeland works from its office in Miami Lakes and comes to your property. Call (772) 807-3777, 24/7. Local page: Public Adjuster in Stuart, FL.

Nearby: Stuart

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.