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.
Marina, Boatyard & Boat Dealer Insurance Claims
Docks, seawalls, dry-stack buildings, fuel docks, ship’s stores and boats held for sale: a storm hits every coverage part a marina carries at once. Homeland separates them, proves each one and presents the full claim.
If you need help with a marina, boatyard, dry-stack or boat dealer 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
The Coverage Parts in a Marina Claim
A marina or boatyard is usually insured by a package: commercial property for buildings, contents and business income; inland marine for docks, piers and floating structures; dealer inventory coverage for boats held for sale; and liability coverage for customers’ boats. The first three are the marina’s own property claims, and Homeland handles them.
| Coverage part | What it pays | Watch for |
|---|---|---|
| Commercial property | Buildings, dry-stack structures, ship’s store, equipment, business income | Wind versus surge; flood excluded unless covered elsewhere |
| Inland marine (docks and piers) | Fixed and floating docks, piers, lifts, often with flood covered | Pre-existing deterioration of pilings; flood sublimits |
| Dealer inventory | Boats held for sale, on the lot or in the water | Cost versus selling price; boat-by-boat proof |
| Marina operators legal liability | Customers’ boats the marina is legally responsible for | A liability claim, not a public adjusting claim; customers claim on their own hull policies |
Business income for a marina often hinges on the period of restoration while permits, dredging and dock contractors catch up. See business income claims.
How Homeland Works a Marina Claim
- Separate the coverage parts. Property, inland marine, inventory and business income, each with its own limit, deductible and proof.
- Prove the cause. A waterfront engineer from our network documents wind versus surge and the condition of pilings and seawalls.
- Survey the inventory. Dealer boats are surveyed one by one with a marine surveyor.
- Build the income claim. A forensic accountant models slips, storage, service and sales lost during the restoration period.
- Negotiate each part. Undisputed parts are paid first so repairs can start.
Dock and Seawall Documentation Checklist (Printable)
- Dock and seawall schedule, drawings and last inspection
- Photos and drone footage of every dock, piling, lift and building
- Dry-stack racks: photos before anything is moved
- Dealer inventory list with hull IDs, costs and floor-plan statements
- Customer storage contracts and notices sent to boat owners
- Fuel dock: spill response and environmental invoices
- Monthly revenue by slip, storage, service and sales
- Every insurer letter, by policy
Marina Insurance Claim Denied? Lawyer or Public Adjuster: Who to Call First
Most marina claim disputes are about cause (wind or surge), the condition of docks before the storm, inventory value and the restoration period. Those are documentation disputes, and Homeland builds that record from day one.
- Your own property, docks, inventory and income: call Homeland first.
- Customers’ claims against the marina, or coverage litigation: your attorney and your liability insurer.
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 a Marina or Boatyard Claim
A licensed Homeland public adjuster reviews the coverage parts and calls you back, in English or Spanish.
Damage happening right now? Call (305) 783-3777 · New Jersey (732) 517-3777, 24/7.
Marina and Dealer Claim Questions
Does my marina’s policy pay for my customers’ boats?
Only through liability coverage, and only if the marina is legally responsible. Customers claim on their own hull policies; that liability side is not public adjusting work.
Are docks covered as part of the building?
Often not: docks and piers are frequently insured under an inland marine coverage with its own terms. The declarations show where they are.
How is dealer inventory valued after a storm?
By the policy’s valuation clause, which may be cost or another basis. Boat-by-boat surveys and floor-plan statements are the proof.
Our condo association owns the docks. Is that a marina claim?
It is an association claim with marine pieces. See condo and HOA association claims; the dock coverage may sit in the master policy or a separate inland marine policy.
Can Homeland handle marina claims in New Jersey?
Yes. New Jersey’s public adjuster rules include inland and ocean marine policies, and Homeland holds New Jersey 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
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:
Claims We Handle for You
Claim types these clients typically have, and how Homeland handles each:
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.