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 law caps public adjuster fees (Fla. Stat. §626.854(11)(b)); see our fees page. No Recovery, No Fee.
- Reachable 24/7
- 24/7 at (305) 783-3777. A licensed Homeland adjuster comes to your property, 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.
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.
- Serves Miami Gardens: Yes. Wherever you are in Miami Gardens, a licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (305) 783-3777, 24/7.
- 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 public adjuster license G332385 · Florida Certified Contractor CRC1331322 · property insurance appraiser and umpire
- Complaints and reputation: 5.0★ on Google · BBB A+ rating
- Since 2006: Homeland Public Adjusters, Corp. was incorporated in Florida on December 11, 2006. Our President, Yeni Martinez, has held Florida public adjuster license P103370 since 2007. When Florida began requiring adjusting firms to hold their own firm license (a 2021 law, Senate Bill 1598; DFS began licensing adjusting firms in November 2021), Homeland was issued firm license W818638 on January 11, 2022. Each adjuster’s appointment with Homeland appears on that adjuster’s own DFS record.
- English and Spanish. Office: 8004 NW 154th Street, Suite 609, Miami Lakes, FL 33016 (visits by appointment). Florida (305) 783-3777 · New Jersey (732) 517-3777, 24/7.
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 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.
What Makes a Miami Gardens Claim Different
Canal flooding
The City of Miami Gardens warns that heavy rain could cause canals such as the C-8 and C-9 to overtop their banks, flooding areas next to them, and says Hurricane Irene (1999) and the October 2000 "No-Name" storm left many areas flooded for long periods. Rising water is flood under a separate policy, so the source of the water decides the claim.
The 50% rule and code upgrades
Under Miami Gardens' floodplain rules, a structure damaged or improved by more than 50% of its market value must meet current elevation and floodplain requirements. Those upgrades can cost more than the repair itself, and ordinance or law coverage, if your policy has it, may pay part of them.
Fires in apartment and condo buildings
CBS News Miami reported that a January 28, 2023 fire at the New World Condo Apartments in the Norland area impacted roughly 75 units, displaced at least 105 residents and partially collapsed the roof. In a multi-unit fire, the building's policy and each owner's or renter's policy can each cover part of the loss.
Miami Gardens by the Numbers
| Topic | Fact | Source |
|---|---|---|
| Canals | The City warns that heavy rain could cause the C-8 and C-9 canals to overtop their banks, flooding areas next to them. | City of Miami Gardens, flood hazard information |
| 50% rule | A structure damaged or improved by more than 50% of its market value must meet current elevation and floodplain requirements. | City of Miami Gardens, damage to your home or business |
| Hurricane Irma wind | The Opa-locka airport weather station recorded a peak gust of 85 mph (September 2017). | National Weather Service Miami, Hurricane Irma |
| Hurricane Irma claims | Property owners filed 55,012 insurance claims in Miami-Dade County after Irma, and the county was designated for FEMA Individual Assistance under FEMA-4337-DR. | FEMA, Preliminary Damage Assessment FEMA-4337-DR |
| Local damage report | A fire at the New World Condo Apartments in Norland impacted roughly 75 units and displaced at least 105 residents (January 28, 2023). | CBS News Miami (WFOR) |
Questions to Ask Any Public Adjuster About a Miami Gardens Claim
- If my home is near a canal, how will you separate flood from storm damage? The City warns the C-8 and C-9 can overtop their banks. The claim has to show which damage came from rising water and which from wind or rain through storm openings.
- Will you price code and floodplain upgrades if the 50% rule applies? A building damaged by more than 50% of its market value must meet current requirements. That work should be priced separately so any ordinance or law coverage can be claimed.
- Do you handle multi-unit fire claims? Fires in apartment and condo buildings involve more than one policy. The building, the units and the contents each need their own documentation.
Guides for Miami Gardens Claims
Free guideFEMA 50% Rule: Substantial Damage for CondosRead the guide ›Free guideWear and Tear vs Covered Loss: Condo BuildingsRead the guide ›Free guideBusiness Interruption and Lost IncomeRead the guide ›Free guideInsurer Says Flood, Not Wind? What NowRead the guide ›Free guideFlorida's Roof Repair Rules: What ChangedRead the guide ›Free guideWhat Is a Hurricane Deductible? FL & NJRead the guide ›
Miami Gardens Questions
My Miami Gardens home is near a canal. Does my homeowners policy cover flooding?
No. Standard homeowners policies exclude flood; it takes a separate flood policy. But water that came in through storm damage to the roof, walls or windows is usually a homeowners claim, even in the same storm. Call Homeland first so each source is documented.
I rent in a building that burned. Can I file a claim?
If you have renters insurance, yes: it can cover your belongings and, under many policies, additional living expenses while you can't live there. The building itself is the owner's claim. Call Homeland first for a review of your policy.
How long do I have to report storm damage in Florida?
Under Fla. Stat. §627.70132, notice of a new or reopened claim must reach the insurer within 1 year after the date of loss, and a supplemental claim within 18 months. For a hurricane, the date of loss is the date it made landfall. Lawsuit deadlines are separate. Call Homeland first if you are close to either date.
How much does a public adjuster charge in Florida?
Florida law caps public adjuster fees (Fla. Stat. §626.854(11)(b)); see our fees page. The fee must be in a written contract.
Homeland works from its office in Miami Lakes and comes to your property. Call (305) 783-3777, 24/7. Local page: Public Adjuster in Miami Gardens, FL.
Nearby: Miami-Dade County · Miami · Hialeah · Homestead · Doral · Kendall · Miami Beach · Miami Lakes