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 Tampa: Yes. Wherever you are in Tampa, a licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (813) 807-3777, 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 Tampa Claim Different
Storm surge versus wind
During Hurricane Helene in September 2024, the National Hurricane Center found storm surge flooded land within Tampa Bay to depths of 5 to 7 feet above ground level. Surge and rising water are flood damage, covered by a separate flood policy, while wind damage is the homeowners claim. When both hit one building, the line between them decides what each policy pays.
Rain flooding after Milton
Tampa International Airport recorded 11.73 inches of rain from Hurricane Milton in October 2024, and the National Hurricane Center reports record-high crests on the Hillsborough River. Rain that came in through a storm-damaged roof or window is usually a property claim; water that rose from the ground is flood. Inside a home the two can look alike, so the entry point has to be documented.
Commercial buildings and structural damage
Fox 13 News reported that Milton's winds sheared an entire exterior wall off a three-story office building on South 22nd Street in Tampa on October 10, 2024. A commercial claim can include the building, contents and the business income lost while the space is unusable, and each part needs its own records.
Tampa by the Numbers
| Topic | Fact | Source |
|---|---|---|
| Hurricane Helene surge | Storm surge flooded land within Tampa Bay to depths of 5 to 7 feet above ground level (September 2024). | National Hurricane Center, Hurricane Helene report |
| Hurricane Milton rain | Tampa International Airport recorded 11.73 inches of total rain, and the Hillsborough River reached record-high crests (October 2024). | National Hurricane Center, Hurricane Milton report |
| Hurricane Irma | The McKay Bay tide gauge recorded a 3.07-foot storm surge, and a station near Lutz measured 16.08 inches of rain, the highest total in the state climate center's Irma table (September 2017). | Florida Climate Center (FSU), Hurricane Irma summary |
| Federal disaster | Hillsborough County was designated for FEMA Individual Assistance under Hurricane Irma declaration FEMA-4337-DR, declared September 10, 2017. | FEMA, Preliminary Damage Assessment FEMA-4337-DR |
| Local damage report | Milton's winds sheared an exterior wall off a three-story office building on South 22nd Street (October 10, 2024). | Fox 13 News (WTVT) |
Questions to Ask Any Public Adjuster About a Tampa Claim
- How will you separate wind damage from surge or flood damage? Helene's surge reached 5 to 7 feet above ground within Tampa Bay. If both hit your property, the claim needs evidence of what the wind did before the water arrived.
- Do you document rain intrusion separately from rising water? With 11.73 inches of Milton rain at the airport, many Tampa homes had both. The entry point decides which policy responds.
- Can you handle a commercial claim with lost business income? Tampa's storm losses include offices and businesses. Business income is calculated from your records, separately from the building estimate.
Guides for Tampa Claims
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 ›Free guideDocumenting a Commercial Property LossRead the guide ›Free guideFlood Zone AE: What It Means and Flood InsuranceRead the guide ›
Tampa Questions
Water came in during a hurricane. Is it a flood claim or a homeowners claim?
It depends on how the water got in. Rising water and storm surge are flood, which a homeowners policy excludes and a separate flood policy covers. Rain that came in through storm damage to the roof, walls or windows is usually a homeowners claim. Call Homeland first so each source is documented before repairs start.
Homeland's office is in Miami Lakes. Can you handle a Tampa claim?
Yes. A licensed Homeland public adjuster comes to your Tampa 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 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 (813) 807-3777, 24/7. Local page: Public Adjuster in Tampa, FL.
Nearby: Florida