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 Damaged My House: Construction & Repair Damage Claims
A roofer leaves the house open before a storm, a plumber cracks a line inside the wall, or the excavation next door cracks your walls and slab. There are two paths to payment, and the faster one is usually your own policy.
If you need help with damage a contractor, a repair crew or construction next door caused to your home or building 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. In New Jersey, Homeland handles the claim on your own policy.
Reviewed by Alberto Enriquez, Senior Licensed Florida Public Adjuster (License P112658) · Homeland Public Adjusters · Last reviewed: November 2026
Two Paths: Your Own Policy, or the Contractor’s Insurance
When a contractor or construction next door damages your property, you can claim on your own property policy, which pays without anyone proving fault, or against the contractor’s liability insurance, which pays only if the contractor is liable. Your insurer can then pursue the contractor (subrogation), and your deductible can be part of that recovery.
| Your own policy | The contractor’s liability insurance | |
|---|---|---|
| Who proves fault | Nobody, if the damage is a covered loss | You do |
| Typical exclusions | Faulty workmanship itself; gradual settling | The contractor’s own work; damage the policy calls expected |
| Who can help | Homeland, in Florida and New Jersey | In Florida, Homeland for owners with no insurance of their own; an attorney for lawsuits and injuries |
Florida’s public adjuster law expressly covers adjusting for a third-party claimant (Fla. Stat. §626.854(1)), while excluding bodily injury and legal advice (626.854(3)). In New Jersey, Homeland represents policyholders on their own policies.
Construction Next Door: Vibration, Excavation and Cracks
Excavation, pile driving, demolition and dewatering next door can crack walls, slabs, pools and driveways and shift doors and windows. These claims are won or lost on proving the condition before the work started.
- Before the work: ask the developer for a pre-construction survey, and make your own dated photo and video record.
- During the work: photograph new cracks with a ruler and date, and keep notes of vibration events.
- After damage appears: an engineer’s report ties the cracks to the work, and crack monitors show whether they are still moving.
- Your policy: check for earth movement and settling exclusions before you file; the cause wording matters.
Contractor Damaged My House: Lawyer or Public Adjuster? Who to Call First
Before you hire a contractor-damaged-my-house lawyer, check your own policy: the fastest money is usually there, and that claim is won on documentation and an estimate, which Homeland builds from day one.
- The damage to your home, on your own policy: call Homeland first, in Florida or New Jersey.
- No insurance of your own (Florida): Homeland handles the property damage claim against the contractor’s insurer.
- Contract disputes, liens, lawsuits or injuries: an attorney, and we work alongside your attorney on the property side.
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 Construction Damage Claim
A licensed Homeland public adjuster calls you back, in English or Spanish.
Damage happening right now? Call (305) 783-3777 · New Jersey (732) 517-3777, 24/7.
Questions People Ask
My contractor damaged my house. Should I claim on my own insurance?
Usually yes, if the damage is a covered loss: your policy pays without anyone proving fault, and your insurer can recover from the contractor. Faulty workmanship itself is usually excluded, but the damage it causes often is not.
The construction next door cracked my walls. What do I do first?
Photograph and date every crack, notify the developer and its contractor in writing, ask for their certificate of insurance and any pre-construction survey, and call Homeland to document the damage.
I don’t have homeowners insurance. Can I still get paid?
In Florida, possibly, through the contractor’s liability insurance if the contractor is liable. Homeland handles that property damage claim: third-party damage claims.
Can a roofer or contractor handle my insurance claim for me?
Not in Florida unless they are also licensed as a public adjuster: only an attorney or a licensed and appointed public adjuster may negotiate your claim for pay (Fla. Stat. §626.854(20)).
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.