Street talk about claims, insurance and storm prep in Florida and New Jersey, from property owners and the licensed public adjusters at Homeland. Read the answers, join the conversation, or ask your own question.
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Homeland’s licensed public adjusters answer threads and reply to posts, in English and Spanish.
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Underpaid, denied, delayed or closed claims, checks and releases, and how a claim is valued.
What your policy covers, premiums, renewals, nonrenewals and the endorsements that change a claim.
Roof claims, repair or replace, matching, code upgrades and working with contractors after a loss.
+ Post in this boardGetting ready before a storm, hurricane deductibles, flood zones and what to do after.
+ Post in this boardMaster policy vs. unit owner claims, assessments, inspections and what boards need to know.
+ Post in this boardDeadlines, insurer response times, mediation, appraisal and your rights as a policyholder.
+ Post in this boardQuestions posted by property owners.
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The questions property owners ask us most, answered by a licensed public adjuster. Open any thread to reply.
The newest replies from property owners across the forum. Open a thread to reply, or reply to a reply.
Notes from Homeland’s public adjusters on what is changing for property owners. Open the replies under any note to join in.
On October 20, 2026, Florida’s Attorney General announced an investigation into policy clauses that restrict your right to hire a public adjuster. We have seen one on a 2026 Florida homeowners policy. Look at the forms list on your declarations page, and call us before you sign anything.
What the endorsement says →Florida insurers closed 456,200 residential property claims in 2025 and paid $10 billion on them, according to the Office of Insurance Regulation. The median claim was reported 10 days after the loss and closed 30 days after that.
The full numbers →Under SB 1028, signed in June 2026, Citizens must set up a clearinghouse by January 1, 2027 to move condo and commercial policies to private insurers. If your association’s policy moves, compare deductibles and exclusions before the old policy ends, and keep any open Citizens claim documented.
Citizens claims →Send your question straight to a licensed public adjuster instead of posting it. We answer the ones that help the most people in the forum, with names, addresses and anything that identifies you or your property removed. If you have damage now, don't wait for an answer: call us.
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This answer is general information only and is not legal or insurance advice. Statutes, regulations and policy wording change, and how they apply depends on your own policy and the facts of your claim. Homeland Public Adjusters is a public adjusting firm, not a law firm.
Call Homeland first. We represent policyholders, not insurers.
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