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.
Commercial & Specialty Insurance Claims
Businesses, associations and owners of specialized property: the building, the equipment, the inventory and the income lost while you rebuild. These are the claims many adjusters don’t optimize for, and the ones Homeland is built to handle.
If you need help with a commercial, association or specialty property 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
Twenty Years of Property Claims, and the Experts Each Loss Needs
Homeland Public Adjusters is a licensed public adjusting firm in Florida (agency license W818638) and New Jersey (firm license 3003982360) with 20 years in the industry (since 2006). We work only for the policyholder, never for an insurance company, in English or Spanish.
Commercial and specialty claims rarely turn on one estimate. They turn on the policy’s separate coverage parts, the experts who can prove each one and the records behind the numbers. Homeland works with a network of experts in Florida and New Jersey ready to take on any loss: engineers, forensic accountants, marine surveyors, contractors and other specialists.
Commercial and Specialty Claims We Handle
What Makes a Commercial Claim Different
Several coverages in one claim
Building, business personal property, business income, extra expense, ordinance or law and endorsements each have their own limit, deductible and proof. Each one has to be claimed.
Experts on both sides
Insurers send engineers, accountants and consultants. The claim is answered with qualified experts of your own.
Deductibles and coinsurance
Percentage hurricane deductibles, per-building schedules and coinsurance clauses can change the payment by large amounts, so they are checked against the policy and the values.
Florida deadlines apply to businesses too
Florida’s 1-year notice deadline for new claims and 18 months for supplemental claims apply to commercial property policies too (Fla. Stat. §627.70132).
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.
Law firm handling a commercial case? See commercial claim support for law firms.
Request a Commercial Claim Review
A licensed Homeland public adjuster reviews your policy and your loss and calls you back, in English or Spanish.
Damage happening right now? Call (305) 783-3777 · New Jersey (732) 517-3777, 24/7.
Claim Threads in the Forum
Threads answered by a licensed public adjuster. Reply with your own experience, or post a question of your own.
Am I covered for this?
Nelson Avila, PA: It depends on your policy's wording: what perils it covers, what it excludes, your deductibles and any sublimits or endorsements.
Reply ›Florida & New Jersey LawHow long does the insurance company have to pay?
Nelson Avila, PA: In Florida, the insurer must pay or deny your claim within 60 days after it receives notice of the claim, in writing.
Reply ›Insurers & PoliciesHow do I file a claim, and can my premium go up?
Nelson Avila, PA: Start by calling a licensed public adjuster before you file, so the claim is documented, valued and presented right from day one.
Reply ›Commercial and Specialty Claim Questions
Can a public adjuster handle a commercial claim?
Yes. In Florida, a licensed public adjuster may represent the insured on a claim for loss or damage covered by an insurance contract, residential or commercial. In New Jersey, a licensed public adjuster represents the insured on property insurance claims, including inland and ocean marine. Homeland is licensed in both states.
Should I call my agent or the 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.
Is DFS mediation available for my business claim?
Not for purely commercial coverages. Florida’s DFS mediation program is for personal lines and commercial residential policies, such as condo associations and apartment buildings (Fla. Stat. 627.7015).
What experts does Homeland bring in?
Whatever the loss needs, from a network of experts in Florida and New Jersey ready to take on any loss: engineers, forensic accountants, marine surveyors, contractors and other specialists.
Do you come to us, or do we go to an office?
We come to you. Florida: anywhere in the state. New Jersey: statewide.
Sources
- Fla. Stat. §626.854: public adjuster definition
- Fla. Stat. §627.70132: claim notice deadlines
- Fla. Stat. §627.7015: DFS mediation
- Florida OIR: Hurricane Ian claims data
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.
Who This Is For
Homeland handles this kind of claim for:
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.