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.
Cyber vs. Property Business Interruption: Which Policy Pays When Your Systems Go Down?
A ransomware attack, a fraudulent wire, a storm that fries the servers or a vendor outage can each stop a Florida business, and each one points to a different policy. The first job is finding every policy that responds.
If you need help with a business that lost income or systems in a cyber event, power loss or outage and needs to know which policy pays in Florida, Homeland Public Adjusters handles exactly this kind of claim. Homeland is a licensed public adjusting firm (Florida W818638) 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), 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
Which Policy Responds
Standard commercial property business income needs direct physical loss at your premises, and its coverage for interruption of computer operations carries a $2,500 default limit on the ISO form (CP 00 30). So most cyber events are claimed under a cyber policy or a crime policy, while storm and fire damage to equipment stays on the property policy.
| Event | Policy that usually responds | Homeland’s role |
|---|---|---|
| Storm, fire or water damages servers and computers | Commercial property and business income | Handle the claim: equipment, data restoration costs the policy allows, income |
| Power or utility outage takes systems down | Utility services coverage, if carried | Handle the claim on the property policy |
| Ransomware or hacking | A cyber policy (first-party sections) | Review which sections respond and document the income loss alongside your breach counsel and forensic team |
| Fraudulent wire or payment | A crime policy, or a cyber policy with a funds-transfer section | Document the loss alongside your attorney and accountant |
| A vendor’s system goes down | A cyber policy’s dependent-system coverage, if carried | Review and income documentation |
Third-party sections of a cyber policy — privacy liability, regulatory defense, claims by customers — are liability matters for your breach counsel, not public adjusting work.
What to Gather After a Systems Outage
- Every policy: property, cyber, crime, and any endorsements
- A timeline: when systems failed, what you did, when they came back
- The IT or forensic report on the cause
- Invoices for recovery, restoration, overtime and temporary workarounds
- Monthly financials and daily sales before and after
- Bank records and the payment trail for any fraudulent transfer
- Police or FBI IC3 report numbers
Request a Policy Review
A licensed Homeland public adjuster reviews which of your policies respond and calls you back, in English or Spanish.
Damage happening right now? Call (305) 783-3777, 24/7.
Questions Businesses Ask
Does my business insurance cover a ransomware attack?
A standard property policy usually does not, beyond a small computer-operations coverage. A cyber policy is the usual source. Send us your policies and we will tell you which ones respond.
A hurricane took our servers down. Is that a cyber claim?
Usually not: physical damage from a storm is a property claim, with business income if the policy carries it. That is a claim Homeland handles directly.
Does Homeland handle cyber claims in New Jersey?
This page is for Florida businesses. In New Jersey, Homeland handles property and business income claims on your own commercial policy.
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
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.