Farm, ranch or barn damage anywhere in Florida? A licensed Homeland public adjuster comes to you within hours — no need to visit an office. New Jersey: we come to you statewide.
Homeland Public Adjusters represents owners of farms, groves, ranches, nurseries and other agricultural property after storm, fire, flood and wind losses in Florida and New Jersey. Barns, stables, equipment buildings, irrigation systems, fencing and farmworker housing all carry their own coverage questions, and we document the loss and present the claim on the owner’s behalf.
If you need help with a nursery, greenhouse, shade house, grove or farm 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.
Last reviewed: October 2026
How Can We Help You Recover, or Prepare?
Agricultural Property Claims in Florida
Florida’s agricultural regions, from the Redland and South Dade groves to the farmland around Belle Glade and Immokalee, face hurricane and wind damage to barns and packing houses, flooding of fields and irrigation systems, and fire or structural loss to stables and equipment buildings. Homeland represents farm, grove and ranch owners through each stage of the claim.
Agricultural Property Claims in New Jersey
New Jersey farms, nurseries and horse properties face nor’easters, flooding, wind damage to barns and outbuildings, and fire. Homeland represents New Jersey agricultural property owners with these losses.
Agricultural Losses We Handle
Agricultural property carries structures and exposures a typical homeowners or commercial policy doesn’t anticipate. Homeland documents each of these as part of a single, organized claim:
Why Agricultural Claims Are Different
Nursery and Greenhouse Insurance Claims: Structures, Stock and Income
Hurricanes hit Florida growers in two places at once: the crop and the structures that hold it. UF/IFAS put Hurricane Milton’s agricultural production losses at $428.0 million, including $142.3 million in greenhouse and nursery losses (UF/IFAS Milton summary), and Hurricane Ian’s at $1.03 billion, including $195.4 million for greenhouse and nursery (UF/IFAS). Those figures leave out greenhouses, shade houses, sheds, fences, irrigation and equipment, which is the insured property a public adjuster works on.
| What was damaged | Usually claimed under | Watch for |
|---|---|---|
| Greenhouses, shade houses, poly film, frames | Farm or commercial property policy | Low sublimits or exclusions for poly covers and shade cloth; “greenhouse” versus “building” definitions |
| Plants and nursery stock | Inland marine or nursery stock coverage, and federal nursery insurance | Growing plants outdoors are often excluded or limited on commercial forms |
| Irrigation, wells, pump houses, coolers | Farm or commercial property, equipment breakdown | Mechanical breakdown versus storm damage |
| Packing houses and stored product | Commercial property, spoilage | Power outage spoilage needs its own coverage |
| Lost sales season | Business income, if carried | Seasonality: the claim is built on your own sales history |
Federal Crop Insurance Claims: Documentation, Loss Inspection and the Claim File
Federal crop and nursery policies follow the Common Crop Insurance Policy Basic Provisions (27.1-BR), published by USDA’s Risk Management Agency (CCIP Basic Provisions 27.1-BR). Homeland helps growers with federal crop insurance claims: we document the loss, represent you at the loss inspection and build the claim file, and handle the private property claim on the structures at the same time.
- Notice of damage: for a planted crop, the Basic Provisions require notice within 72 hours of discovering damage (27.1-BR §14); your crop provisions may add their own rules. Call Homeland right away so it goes in on time; do not wait for the property claim.
- Someone on your side: a properly executed power of attorney lets another person sign documents for the producer (27.1-BR §2(j)), and with it Homeland represents you at the loss inspection. Your crop agent cannot help prepare the claim (RMA Informational Memorandum COM-17-001).
- USDA disaster programs: FSA programs such as NAP, TAP, ELAP and LIP can be appealed with an authorized representative “whether or not an attorney” (7 CFR 11.1).
Sources: 27.1-BR · RMA COM-17-001.
What to Do After Agricultural Property Damage
Why Choose Homeland for an Agricultural Property Claim
Agricultural Claims by the Numbers
The Coverages That Decide a Farm or Ranch Claim
Farm and ranch policies are built from pieces, and a claim is only as good as the schedule it was written on:
| Provision | What it does | Where claims go wrong |
|---|---|---|
| Dwelling and household contents | Works like a homeowners policy for the farm residence | Hurricane and wind terms (percentage deductible, ACV holdback) apply exactly as they do in town |
| Farm structures: scheduled vs. blanket | Barns, packing houses, shade houses, pole barns and fences are either listed individually with a limit or covered under one blanket amount | Structures left off the schedule have no coverage; open-sided and fabric structures often carry a wind exclusion or reduced coverage |
| Farm personal property | Equipment, machinery, feed, supplies and livestock, scheduled or blanket; livestock is usually named-peril (fire, lightning, wind, collapse, electrocution, attack by wild animals) | Equipment paid at actual cash value; livestock death from heat, disease or flood is excluded unless specifically added |
| Growing crops and trees | Excluded on the property policy; insured through federal crop insurance (RMA/FCIC) or NAP | Owners expect the farm policy to pay for a destroyed grove or field; it pays for the structures and equipment around it |
| Farm income and extra expense | Optional; pays lost farm income and the cost of continuing operations after a covered loss | Not purchased, or the period of restoration cut short by the carrier |
| Pollution, spoilage and equipment breakdown | Separate endorsements for refrigerated spoilage, power failure, mechanical breakdown and pollutant cleanup | Spoilage after a storm outage denied for lack of the endorsement; check before the season, not after |
Terms in this table, defined: Actual Cash Value vs. Replacement Cost, Coinsurance, Policy Exclusions, Hurricane Deductible. See the full claims glossary.
Grower Storm Checklist (Printable)
- Notice of damage to a planted crop on the federal policy within 72 hours of discovery
- Photos and drone footage of every structure, block and bench before cleanup
- Structure list: greenhouses, shade houses, sheds, coolers, wells, pumps, irrigation
- Inventory by species, size and count, with price lists and recent sales
- Purchase records for plants, supplies, film and shade cloth
- Do not destroy damaged plants until the adjusters release them
- Sales by month for the last 2 to 3 years (business income)
- Every policy: federal crop or nursery, farm or commercial, inland marine
Start a Nursery, Greenhouse or Farm Claim
A licensed Homeland public adjuster reviews your policies and calls you back, in English or Spanish.
Damage happening right now? Call (305) 783-3777 · New Jersey (732) 517-3777, 24/7.
Deadlines to Know
New Jersey. New Jersey regulations require insurers to begin an investigation within 10 working days of notice of a claim and set a 30-calendar-day period, running from receipt of a properly executed proof of loss, for first-party claims, with written explanations and updates every 45 days if more time is needed.
In the News: A Real Agricultural Properties Claim
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 ›Agricultural Property FAQs
Does Homeland handle crop insurance claims?
Is damage to a barn or stable from a storm covered the same way as damage to a house?
Does Florida actually get tornado damage, or is that mainly a hurricane issue?
What if debris from a storm, including something like a downed utility pole or tree, damages a barn or fence line?
We have farmworker housing on the property. Is that covered differently?
Do you represent nurseries and grove operations, or only livestock properties?
Does my farm or commercial policy cover the plants in my nursery?
Often only in part. Growing plants outdoors are commonly excluded or sublimited on commercial forms; nursery stock may be covered by an inland marine endorsement or a federal nursery policy. The declarations and endorsements decide it.
Can Homeland help with my federal crop insurance claim?
Yes, as review, consulting and arbitration support: we review the claim and the records, help build the documentation and support your file and your attorney in arbitration, while handling your private property claim on the structures.
How fast do I have to report crop damage?
Under the Common Crop Insurance Policy Basic Provisions (27.1-BR §14), notice of damage to a planted crop is due within 72 hours of discovery. Call Homeland right away so it goes in on time, even if the property claim is still being prepared.
Is my shade house a building?
It depends on the policy’s definitions. Some forms treat greenhouses and shade structures separately, with their own limits or exclusions for film and cloth. That definition is often the first dispute.
Can you work with my crew and me in Spanish?
Yes. Homeland works every grower claim in English and Spanish, from the walk-through to the inventory.
Insights
By Nelson Avila
Agricultural Property Claims We Handle Across Florida & New Jersey
Homeland handles agricultural property claims throughout Florida, including the Redland, Homestead, Belle Glade and Immokalee farming communities, and throughout New Jersey. Wherever your farm, grove or ranch is in either state, call us 24/7.
Talk to a Public Adjuster
How Can We Help You Recover, or Prepare?
Tell us about your loss. We’ll call you back.
Other Property Damage Claims We Handle
Agricultural losses usually begin with a specific type of property damage. Homeland Public Adjusters assists farm, grove and ranch owners with each of these covered losses.
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 public adjuster license G332385 · Florida Certified Contractor CRC1331322 · property insurance appraiser and umpire
- Complaints and reputation: 5.0★ on Google · BBB Accredited Business, 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. On November 10, 2026, Homeland became a BBB Accredited Business (BBB Serving Southeast Florida & the Caribbean), with an A+ rating. 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.