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 Lakes: Yes. Wherever you are in Miami Lakes, 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 Lakes Claim Different
Flood zones and flood policies
The Town of Miami Lakes says most of the town is in or near a FEMA Special Flood Hazard Area, and that standard homeowners policies do not cover flood damage. Water that rose from the ground needs a flood policy; water that came in through storm damage is usually a homeowners claim. The entry point has to be documented before cleanup.
Heavy rain events
The National Weather Service recorded 6.20 inches of rain in Miami Lakes during the October 28 to 31, 2011 event, and CBS News Miami reported that Tropical Storm Eta's rain flooded streets and homes in the town in November 2020. Rain events can damage roofs, ceilings and floors without a named hurricane.
Wind damage below hurricane strength
During Hurricane Irma in 2017, the National Weather Service said sustained winds in Miami Lakes likely reached 55 to 65 mph, while nearby Opa-locka Airport reported a gust of 74 knots. Winds in that range can still lift shingles and tiles and damage screen enclosures, so the damage has to be documented and tied to the storm date.
Miami Lakes by the Numbers
| Topic | Fact | Source |
|---|---|---|
| Flood hazard | The Town says most of Miami Lakes is in or near a FEMA Special Flood Hazard Area, and that standard homeowners policies do not cover flood damage. | Town of Miami Lakes, local flood hazard information |
| Drainage work | The Town received a $775,248.41 FEMA Flood Mitigation Assistance grant for the West Lakes Drainage Improvements Phase IV project between NW 89th Avenue and NW 92nd Avenue. | Town of Miami Lakes, drainage grant release |
| Hurricane Irma wind | Nearby Opa-locka Airport reported sustained winds of 56 knots with a gust of 74 knots (September 2017). | National Hurricane Center, Hurricane Irma report |
| Heavy rain | Miami Lakes recorded 6.20 inches of rain in the October 28 to 31, 2011 heavy-rain event across South Florida. | National Weather Service Miami, October 2011 heavy rain summary |
| Tropical Storm Eta | Eta's heavy rain flooded streets and homes in Miami Lakes (November 2020). | CBS News Miami (WFOR) |
Questions to Ask Any Public Adjuster About a Miami Lakes Claim
- How will you document where the water came in? With most of the town in or near a Special Flood Hazard Area, the difference between flood and storm-opening water decides which policy pays.
- Do you handle rain-event claims, not only hurricanes? Miami Lakes has had heavy rain events like October 2011 and Eta in 2020. Those claims need the same documentation as a hurricane claim.
- Can you show wind damage when the winds were below hurricane strength? Irma's sustained winds here were likely 55 to 65 mph. Insurers may question wind damage in that range, so the evidence has to be specific.
Guides for Miami Lakes Claims
Miami Lakes Questions
Can I meet Homeland at the Miami Lakes office?
My street flooded and water came through the roof. Is any of it covered?
How long do I have to report storm damage in Florida?
How much does a public adjuster charge in Florida?
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 Lakes, FL.
What Miami Lakes Clients Say About Homeland
Verbatim reviews from Homeland clients on Google.
“I couldn’t be happier with the service and assistance we received while working with Homeland Public Adjusters. They did an incredible job handling our claim for our home in Miami Lakes; they were very communicative with us through the entire process and took the time to explain everything to us, it was very reassuring to be kept up to date throughout the process. The process was smooth, and the outcome was better than we expected. Great people who really know what they’re doing. I highly recommend Homeland to anyone who needs a public adjuster!”
“I highly recommend Homeland Public Adjusters! I had a water damage claim at my property in Miami Lakes, and they were excellent from beginning to end.”