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 Orlando: Yes. Wherever you are in Orlando, a licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (407) 863-3777, 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.
Nearby areas we serve: Public adjuster in Kissimmee · All Florida cities and counties
What Makes a Orlando Claim Different
Hurricane wind far from the coast
During Hurricane Charley in 2004, Orlando International Airport measured hurricane-force sustained winds (69 knots) with a gust to 91 knots, and during Milton in 2024 it recorded a 76-knot gust (about 87 mph). Roof, screen enclosure and fence damage from wind is a homeowners claim, and the hurricane deductible usually applies.
Inland flooding from heavy rain
After Hurricane Ian in 2022, the National Hurricane Center reports that 10 to 20 inches of rain caused major flooding in central Florida, including along the Little Wekiva River and Shingle Creek. Rising water is flood under a separate policy; rain entering through storm damage is usually a homeowners claim. Many inland owners do not carry flood coverage, so how the water got in matters even more.
Condo fires and shared walls
My News 13 reported that a fire on the exterior wall of a condominium complex off South Kirkman Road damaged ten units and displaced 26 residents on November 2, 2025. In a condo, the association's master policy and each owner's HO-6 policy may each cover part of the loss, so both should be reviewed before any estimate is accepted.
Orlando by the Numbers
| Topic | Fact | Source |
|---|---|---|
| Hurricane Charley | Orlando International Airport measured hurricane-force sustained winds (69 knots) with a gust to 91 knots (August 2004). | National Hurricane Center, Hurricane Charley report |
| Hurricane Ian | Rainfall of 10 to 20 inches in central and eastern Florida caused major flooding, including along the Little Wekiva River and Shingle Creek (September 2022). | National Hurricane Center, Hurricane Ian report |
| Hurricane Milton rain | A National Weather Service observer site near Orlando recorded a storm total of 14.83 inches (October 2024). | National Hurricane Center, Hurricane Milton report |
| Hurricane Milton wind | Orlando International Airport recorded a 76-knot gust, about 87 mph (October 2024). | National Weather Service Melbourne, Milton report |
| Hurricane Irma claims | Florida's Office of Insurance Regulation counted 78,931 insurance claims in Orange County from Hurricane Irma (data as of November 9, 2020). | Florida Office of Insurance Regulation, catastrophe reporting |
Questions to Ask Any Public Adjuster About a Orlando Claim
- How will you show the wind damage on an inland home? Charley and Milton both brought hurricane-strength gusts to the Orlando airport. A claim needs photos and measurements that tie the damage to the storm date, not to age.
- Will you check whether rain or rising water caused the interior damage? Ian's flooding reached creeks across Orange County. If you have no flood policy, documenting rain intrusion through storm damage is what keeps the claim alive.
- Do you review both the master policy and my HO-6? In a condo fire or storm loss, the association's policy and the unit owner's policy can each cover part of the same damage.
Guides for Orlando Claims
Free guideHOA Master Policy vs HO-6: What Each CoversRead 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 ›Free guideHOA Special Assessments After an Insurance ClaimRead the guide ›Free guideFlood Zone AE: What It Means and Flood InsuranceRead the guide ›
Orlando Questions
Homeland's office is in Miami Lakes. Can you handle a Orlando claim?
Yes. A licensed Homeland public adjuster comes to your Orlando property, anywhere in Florida, so you never need to visit an office. You can check our firm license W818638 and each adjuster's license on the Florida DFS licensee search before you sign.
How long does my insurer have to pay or deny my claim?
Under Fla. Stat. §627.70131(7)(a), the insurer must pay or deny the claim, or part of it, within 60 days after it receives notice, unless factors beyond its control cause the delay, and it must explain a denial in writing. After a large storm, that clock is worth tracking.
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 (407) 863-3777, 24/7. Local page: Public Adjuster in Orlando, FL.
Nearby: Florida