Wherever you are in Florida, we come to you. A licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Serving Florida property owners since 2006, in English and Spanish. New Jersey: statewide.
Property Insurance Claims We Handle
Homeland Public Adjusters handles property damage claims of every kind in Florida and New Jersey: homes and condos, rentals, associations, businesses, boats and marinas, farms and nurseries, and claims that were denied or underpaid. Homeland has 20 years in the industry and a network of experts in Florida and New Jersey ready to take on any loss.
If you need help with any property insurance claim (a home, condo, business, boat or farm, or a denied claim) in Florida or New Jersey, Homeland Public Adjusters handles exactly this kind of claim. Homeland is a licensed public adjusting firm (Florida W818638; New Jersey 3003982360) with 20 years in the industry (since 2006) and a network of experts in Florida and New Jersey ready to take on any loss. In Florida we come to you within hours, wherever you are. Call (305) 783-3777 (Florida) or (732) 517-3777 (New Jersey), 24/7, English or Spanish.
Reviewed by Yeni Martinez, Licensed Public Adjuster, Florida (License P103370) and New Jersey (License 3003714097) · Homeland Public Adjusters · Last reviewed: November 2026
The Short Answer
Homeland Public Adjusters handles property damage claims of every kind in Florida and New Jersey: homes and condos, rentals, associations, businesses, boats and marinas, farms and nurseries, and claims that were denied or underpaid. Homeland has 20 years in the industry and a network of experts in Florida and New Jersey ready to take on any loss.
Every claim type below links to its own page, with what the policy usually covers, the deadlines, what to document and how Homeland handles it. If your claim is not listed, call anyway: we handle residential and commercial property claims of every kind.
Home & Property Claims · Commercial, Association & Specialty Claims · Marine & Transport Claims · Agricultural Claims · Claim Process & Disputes
Home & Property Claims
Damage to a house, condo unit, rental or its contents, from weather, water, fire, crime or an accident.
Hurricane & Wind Damage
Wind, hail and storm-surge damage from a hurricane or tropical storm, including the hurricane deductible and the line between wind and flood. Homeland documents the roof, the openings and the interior and presents the full claim.
Flood Damage
Rising water is covered by a separate flood policy (NFIP or private), not the homeowners policy. Homeland handles both flood claims and the wind claim that often comes with them.
Fire & Smoke Damage
Fire, smoke and soot damage to the building and everything in it, plus the extra living costs while you are out of the home.
Water Damage
Burst pipes, plumbing and appliance leaks, roof leaks and water that got into walls and floors, including the mold questions that follow.
Winter Storm & Roof Damage
Ice dams, frozen and burst pipes and snow-load roof damage, mostly a New Jersey claim.
Theft & Vandalism
Break-ins, stolen property and vandalism: the police report, the inventory of what was taken and the repair of what was damaged.
A Car Hit My House
A car or truck that crashed into a house, fence or building: your own policy pays first, and the driver’s insurer owes the rest.
Lightning, Trees & Other Sudden Losses
Lightning and power surges, hail, explosions and other sudden losses that are not a storm or a leak.
Neighbor’s Tree Fell on My House
Who pays when a neighbor’s tree lands on your house: usually your own policy, and the neighbor’s only when the tree was already a known hazard.
Contractor or Construction Damage
A contractor, repair crew or construction next door damaged your home: your own policy versus their insurance, and what to document first.
Third-Party Damage, No Insurance (Florida)
In Florida, an owner with no property insurance can still recover from the insured neighbor, contractor or driver who caused the damage. Homeland adjusts the loss and helps with the property damage recovery.
Commercial, Association & Specialty Claims
Buildings, equipment, inventory and lost income for businesses, associations and owners of specialized property.
Commercial Property & Business Claims
Damage to a commercial building, its equipment and its inventory, with each coverage part claimed and proven separately.
Commercial & Specialty Claims
The hub for commercial, association and specialty property claims, and the experts each one needs.
Business Income & Extra Expense
The income a business loses while it is closed or slowed down after covered damage, and the extra costs of reopening sooner, documented for the accountant.
Food Spoilage & Power Outage
Food, medicine or inventory spoiled by a power outage or equipment breakdown: which coverage pays and how to prove the loss.
Builders Risk
Damage to a building under construction or renovation, including soft costs and delay in completion, for owners, developers and contractors.
Cyber vs. Property Business Interruption (Florida)
Ransomware, a fraudulent wire or a storm that took the servers down: which Florida business policy pays, and what to gather first.
Large Loss Claims
Major commercial or association losses where the building, equipment, inventory and income claims together run large.
Condo & HOA Master Policy Claims
Master policy claims for condo, HOA, co-op and master associations. Homeland works for the association, not the insurer.
Loss Assessment Coverage (Condo HO-6)
The unit owner’s HO-6 coverage that can help pay an association assessment after a covered loss.
Special Assessments After an Association Claim
Why special assessments follow association claims, and how a complete master policy claim keeps them smaller.
Marine & Transport Claims
Boats, marinas, equipment that moves from job to job, and goods and vehicles on the road.
Boats & Yachts
A boat or yacht damaged by a storm, sinking, fire or theft: agreed value, hurricane plans and warranties explained.
Marinas, Boatyards & Dealers
Docks, dry-stack storage, inventory and business income for marinas, boatyards and boat dealers.
Contractor’s Equipment (Inland Marine)
Stolen, flooded or burned heavy equipment and tools under a contractor’s equipment (inland marine) policy.
Cargo & Commercial Fleet
Flooded fleet vehicles, refrigerated-unit losses and your own goods in transit, claimed on your own policy.
Agricultural Claims
Farms, groves, ranches, stables and nurseries: the buildings, the equipment and the stock.
Farms, Groves, Nurseries & Crop Review
Barns, greenhouses, shade houses, equipment and nursery stock damaged by a storm, fire or flood, plus a review of crop claims.
Claim Process & Disputes
The steps and the tools that decide what a claim pays, and what to do when the insurer says no or pays too little.
Denied & Underpaid Claims
A claim that was denied, delayed or underpaid, reviewed against the policy and the documented damage.
Proof of Loss
The sworn statement of what you are claiming: when the insurer can ask for it, the deadline and how to fill it out.
Supplemental & Reopened Claims
Damage found after the claim was paid: the difference between a supplemental claim and a reopened claim, and Florida’s deadline.
Examination Under Oath (EUO)
When the insurer asks for an examination under oath, or denies a claim for misrepresentation: what it means and how to prepare.
Appraisal
Appraisal settles a disagreement about the amount of the loss: each side names an appraiser, and an umpire decides what they cannot agree on.
Independent Xactimate Estimate
Our own line-by-line Xactimate estimate of the damage, and a review of the insurer’s estimate against it.
Property Damage Lawyer or Public Adjuster?
Who to call first after damage or a denial, a public adjuster or a property damage lawyer, and when you need both.
Find Your Claim by Who You Are
Homeowner, board member, landlord, business owner or attorney? Each client page lists the claims that client usually has. See every client type we help.
What Applies to Every Claim
Call Homeland first
We report the claim for you, on time, and make sure the first description of the loss and the first documents the insurer sees are complete.
Florida deadlines
Florida gives 1 year from the date of loss to give notice of a new claim and 18 months for a supplemental claim (Fla. Stat. §627.70132).
New Jersey
In New Jersey, Homeland represents policyholders on their own property insurance claims, statewide.
No Recovery, No Fee
If Homeland does not recover money on your claim, you owe Homeland nothing. See public adjuster fees.
How Homeland Handles It
- Call Homeland first. Before you sign anything, hand over records or throw anything out, talk to a licensed public adjuster who works for you.
- We document and value every part. We inspect, measure and write our own estimate, and bring in the experts each coverage needs.
- We present and negotiate the claim. Homeland reports the claim for you, meets the insurer’s adjusters and consultants, presents the full claim and negotiates it to resolution.
Claim Type Questions
What kinds of property claims does Homeland handle?
Residential and commercial property claims of every kind in Florida and New Jersey: storm, flood, fire, water, theft, vehicle impact, association, business income, builders risk, marine and agricultural claims, and claims that were denied or underpaid.
My claim type is not on this page. Can Homeland still help?
Call and ask. Homeland works with a network of experts in Florida and New Jersey ready to take on any loss, so an unusual loss gets the specialist it needs.
Should I call my insurance company first?
Call Homeland first. We report the claim for you, on time, and make sure the first description of the loss and the first documents the insurer sees are complete.
Do you come to the property?
Yes. Florida: anywhere in the state. New Jersey: statewide. There is no need to visit an office.
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.
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 all of Florida: Yes — every city and county. A licensed Homeland public adjuster comes to your property — 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 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.