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.
Contractor’s Equipment & Equipment Theft Insurance Claims
Excavators, skid steers, loaders, generators and tools stolen from a jobsite, flooded in a yard or burned: these claims run on an inland marine policy with its own schedule, valuation and exclusions. Homeland builds the claim around the schedule, the serial numbers and the security record.
If you need help with a contractor’s equipment, tools or heavy equipment claim (theft, flood, fire or collapse) 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 Nelson Avila, Licensed Florida Public Adjuster (License G332385) · Florida Certified Contractor · Property Insurance Appraiser & Umpire · Homeland Public Adjusters · Last reviewed: November 2026
How Contractor’s Equipment Coverage Works
Contractor’s equipment coverage is inland marine insurance for mobile equipment and tools, with items listed on a schedule (each with its own limit) or insured on a blanket basis, often valued at actual cash value. It is separate from builders risk, which covers the building under construction, and from auto coverage for licensed road vehicles.
| Issue | What to check | How it is answered |
|---|---|---|
| Scheduled vs. unscheduled | Is the machine on the schedule, or covered under a blanket limit? | Purchase dates, schedule updates and the policy’s newly acquired equipment clause |
| Theft and site security | Conditions about locking, storage or unattended equipment | Site photos, fencing, lock and key logs, GPS and telematics |
| Valuation | Actual cash value or replacement cost | Dealer comparables, hours, attachments and condition records |
| Mechanical breakdown | Usually excluded unless the breakdown came from a covered cause | A technician’s cause report separating wear from sudden damage |
| Rented-in equipment | Coverage for equipment of others in your care, and rental reimbursement | Rental agreements and invoices for replacement equipment |
Equipment theft is a real exposure in Florida: the state ranked third nationally for heavy equipment thefts in 2016, with 763, and only 21% of stolen equipment was recovered nationwide (NER/NICB 2016 report).
Equipment Claim Checklist (Printable)
- Equipment schedule from the policy, and your own fleet list
- Serial and PIN numbers, make, model, year and hours
- Purchase invoices, finance or lease documents
- Police report number (theft) and the date reported
- GPS or telematics history showing the last known location
- Jobsite security: fence, lights, cameras, lock and key logs
- Rental agreements and invoices for replacement equipment
- Dealer quotes for comparable equipment
Equipment Theft Claim Denied? Lawyer or Public Adjuster: Who to Call First
Most equipment claim disputes are about whether the item was scheduled, how the site was secured and what the machine was worth. Those are documentation questions, and Homeland answers them with the schedule, the security record and dealer comparables.
- Scheduling, security conditions and valuation: call Homeland first.
- A criminal case about the theft: that is for the police and prosecutors; your insurance claim moves forward separately.
- Coverage litigation: an attorney, and we work alongside them on the claim file.
If it becomes a legal fight, we work alongside your attorney: the documentation, scope and estimate we build carry straight into the case. How Homeland supports law firms. For a side-by-side, see property damage lawyer or public adjuster: who to call.
Start an Equipment Claim
A licensed Homeland public adjuster reviews the equipment schedule and the policy and calls you back, in English or Spanish.
Damage happening right now? Call (305) 783-3777 · New Jersey (732) 517-3777, 24/7.
Contractor’s Equipment Questions
Does builders risk cover my excavator or my tools?
Usually not. Builders risk covers the building under construction; contractor’s equipment coverage (inland marine) covers the machines and tools.
The insurer says the equipment wasn’t on the schedule.
Check for blanket coverage, a newly acquired equipment clause and the dates the schedule was updated. Purchase records often answer it.
My skid steer was stolen from a jobsite overnight. What first?
Report it to the police the same day with the serial and PIN numbers, pull the GPS history, photograph the site and the fence, and call Homeland before giving a recorded statement.
Is the cost of renting a replacement covered?
Only if the policy includes rental reimbursement or a similar extension, usually with a daily and total limit. Keep the rental agreement and invoices.
Can Homeland handle equipment claims in New Jersey?
Yes. New Jersey’s public adjuster rules expressly include inland marine policies, and Homeland is licensed there (firm license 3003982360).
What Property Owners Are Asking 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 ›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 ›Claims & SettlementsDo I need a public adjuster or a lawyer?
Nelson Avila, PA: It depends on where your claim is. A licensed public adjuster works for you to document, value and negotiate the claim with your insurer.
Reply ›Related Pages
Sources
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.