Uninsured, and someone else damaged your property anywhere in Florida? A licensed Homeland public adjuster comes to you within hours — no need to visit an office.
Some of Homeland's Results on Claims Like This
- Third Party Uninsured · Sunrise — $46,846
Every claim is different. Results depend on each loss and policy; past results don't guarantee a future outcome.
Amounts are insurance payments obtained on each claim, before Homeland's fee and other costs, rounded to the nearest dollar. Client names are withheld for privacy.
Your neighbor ignored a dead tree and it came through your roof. A contractor’s crew flooded your unit. A fire next door spread to your wall. You have no property insurance of your own, but the person who caused the damage has liability insurance, and that insurer may owe you for your loss. Homeland Public Adjusters handles these third party property damage claims for uninsured property owners in Florida. If a car hit your house and you do have a policy, start with our Vehicle Impact page; if you have no policy, you are in the right place.
If you need help with property damage someone else caused when you have no insurance of your own 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.
Last reviewed: October 2026
How Can We Help You Recover, or Prepare?
Third Party Uninsured Damage Claims in Florida
When a driver, a neighbor, a contractor or a business damages your property and the at-fault party has liability insurance, you can make a claim against that insurance, whether or not you have a policy of your own. Homeland Public Adjusters documents the damage, identifies the at-fault party’s insurer, and presents your property damage claim. This service is available in Florida.
Not Available in New Jersey
Third party claims against another party’s insurance are a Florida service. In New Jersey, Homeland handles claims under your own property insurance: hurricane and storm, flood, fire, water, theft, business, association, renters, and denied or underpaid claims. If you are in New Jersey and not sure which applies, call us.
What Is a Third Party Claim?
A first-party claim is a claim under your own insurance. A third-party claim is a claim against someone else’s liability insurance for damage that person caused. If a neighbor’s dead tree falls on your roof, a contractor floods your unit, or a driver crashes into your home, the at-fault party’s liability insurer may owe you for the damage to your property. Fault matters: a healthy tree that fell in a storm is nobody’s fault, and Florida courts have held a landowner is not liable for damage from healthy, natural vegetation; a dead tree the owner was warned about is a different case.
This is a good fit if you have no property insurance, if your policy does not cover the loss, or if you would rather claim against the at-fault party than use your own policy and pay a deductible. Homeland represents you in the property damage claim and works for you, not for any insurance company.
No Homeowners Insurance? Someone Else Damaged Your Home. You Can Still Claim Against Theirs.
In Florida, a property owner with no insurance can still be paid when an insured driver, neighbor or contractor caused the damage: the claim goes against the other party’s liability insurance. Florida’s public adjuster law expressly includes acting for a third-party claimant (Fla. Stat. §626.854(1)), and only an attorney or a licensed public adjuster may negotiate that claim for pay (626.854(20)).
- Find the other side’s insurer. The crash report, the contractor’s certificate of insurance or the neighbor’s homeowners carrier.
- Document the damage now. Photos, video and measurements before repairs, plus what the property looked like before.
- Get a full repair estimate. A line-item estimate, not a quick bid, so nothing is left out.
- Let Homeland present and negotiate the claim. We deal with the liability adjuster for you, in English or Spanish.
Injuries are a separate claim for an attorney: Florida public adjusters may not handle bodily injury or give legal advice (626.854(3)). A negligence lawsuit in Florida generally must be filed within 2 years (Fla. Stat. §95.11(5)(a)); talk to an attorney about deadlines that apply to you.
What This Claim Depends On
Common Third Party Property Damage Situations
What to Do After Someone Else Damages Your Property
How Homeland Handles a Third Party Claim
Proof of What You Had Before the Damage Makes Every Claim Stronger.
In a third party claim you have to prove what the property was like before someone else damaged it. The free Adjuster Advantage app helps you keep that dated record in one place.
Does your building have a condo or HOA board?
Boards and managers can join too. AA Associations gives them the master policy explained in plain words, a dated building record, reminders and Building Storm Check-in. For Florida associations today.
Joining Adjuster Advantage is free and does not create a contract or agreement with Homeland Public Adjusters for any claim. Public adjusting services require a separate written agreement.
Deadlines and Rules to Know
New Jersey. Third party claims are not available. For claims under your own insurance, see our hurricane, flood, fire, water, theft, business, association and renters pages.
Uninsured & Third Party Claims by the Numbers
Whose Policy Pays When You Have No Policy
Without your own coverage, the claim is made against the insurance of the person or company that caused the damage. These are the policies that respond:
| Who caused it | Policy that responds | What to expect |
|---|---|---|
| A driver who hit your home or fence | The driver’s auto property-damage liability; Florida minimum $10,000 (§324.022), New Jersey standard policy minimums are higher | Insurer owes a sworn statement of coverage limits within 30 days of a written request (§627.4137); if the limit is below the loss, the driver is personally liable for the rest |
| A neighbor’s tree, fire or water | The neighbor’s homeowners liability coverage, but only if they were negligent (a known dead tree, a fire they caused, a leak they ignored) | Carriers deny “act of God” losses; the evidence of notice and neglect is the claim |
| A contractor or tradesperson | The contractor’s commercial general liability policy | Confirm the certificate of insurance before work starts; after a loss, the carrier will look for a completed-operations exclusion |
| A tenant | The tenant’s renters liability (if they have it) and the security deposit | Most tenant damage is uninsured; Homeland documents the loss and the demand, and your own policy may cover it |
| A business next door | The business’s commercial liability policy | Same negligence standard; a public adjuster documents the damage and the cost to repair, which is what the liability adjuster will contest |
| Deadlines | Florida: 2 years for negligence (§95.11(5)(a)); New Jersey: generally 6 years for injury to property (N.J.S.A. 2A:14-1) | Liability carriers have no duty to you to adjust quickly; the limitations period is the only clock |
Terms in this table, defined: Date of Loss, Proof of Loss, Public Adjuster. See the full claims glossary.
Why Choose Homeland for a Third Party Claim?
In the News: A Real Third Party Uninsured Damage Claims 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 ›Third Party Claim FAQs
Can Homeland help if I have no insurance?
Who pays for the damage?
I have insurance. Do I have to use it?
How do I find out the at-fault party’s coverage?
What if the damage is more than their limits?
Do you handle injury claims?
How long do I have to make a claim?
What do I need to get started?
I have no homeowners insurance and a car hit my house. Can I get paid?
In Florida, yes, through the driver’s property damage liability coverage, which is at least $10,000 per crash. Homeland handles that claim; for anything above the driver’s limits, talk to an attorney.
Is a third-party claim against a neighbor or contractor legal for a public adjuster?
In Florida, the public adjuster statute expressly includes third-party claimants for property damage (Fla. Stat. 626.854(1)). Bodily injury and legal advice are excluded (626.854(3)).
Insights
By Nelson Avila
Third-Party Claims We Handle Across Florida
Homeland handles third party claims throughout Florida. Wherever your property is in the 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.
Claims We Handle
Hurricane & Wind Damage→Flood Damage→Fire Damage→Water Damage→Winter Storm & Roof Damage→Theft & Vandalism Damage→Vehicle Impact Damage→Business & Commercial→Other Claims→Denied & Underpaid→What We Need to Start
▶ Their insurance company, if known
▶ The police or fire report number
▶ Photos and video of the damage
▶ Repair estimates and invoices
▶ Date and place of the loss
▶ A short description of what happened
Other Property Damage Claims We Handle
If the damage is covered by your own policy, Homeland handles those claims too. Here are the other claim types we handle.
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.