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.
Independent Xactimate Estimate for Your Insurance Claim
The insurer’s adjuster writes the first Xactimate estimate. Homeland writes yours: every room, every trade, the code items and the matching, priced line by line, so the two can be compared side by side.
If you need help with an independent Xactimate estimate of your property damage, or a line-by-line review of the insurer’s estimate 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 Yisel Dieguez, Licensed Public Adjuster and Estimator, Florida (License W873884) and New Jersey (License 3003714335) · Homeland Public Adjusters · Last reviewed: November 2026
What an Xactimate Estimate Is, and Why the Insurer’s Is Usually Short
Xactimate is the estimating software used across the property insurance industry: an estimate is a list of line items (quantity, unit, unit price) built from local price lists. The software is the same on both sides; the difference is what each estimator measures and includes.
| Commonly missing | Why it matters |
|---|---|
| Whole rooms or elevations | Areas never inspected are never paid |
| Tear-out, detach and reset | Removing cabinets, fixtures and trim before repairs is real labor |
| Code upgrades | Permits often require work the old construction did not have |
| Matching | Flooring, tile, stucco or cabinets that cannot be matched to the undamaged areas |
| Overhead and profit | When a general contractor is reasonably needed to coordinate trades |
| Quantities | Square footage, linear feet and roof squares measured short |
Homeland’s estimating team is led by Yisel Dieguez, Licensed Public Adjuster and Estimator in Florida and New Jersey.
How the Line-by-Line Review Works
- Inspect and measure. A licensed Homeland public adjuster inspects, photographs and measures every affected area, with moisture readings where water is involved.
- Write the estimate. A full Xactimate estimate of the repair, room by room and trade by trade.
- Compare with the insurer’s. Every missing room, trade, quantity and price difference listed, with the photo or measurement behind it.
- Present and negotiate. The comparison goes to the insurer as part of the claim, and supplements follow as hidden damage is found.
Request an Estimate Review
A licensed Homeland public adjuster and estimator reviews the insurer’s estimate and the damage and calls you back, in English or Spanish.
Damage happening right now? Call (305) 783-3777 · New Jersey (732) 517-3777, 24/7.
Xactimate Estimate Questions
Is a contractor’s bid the same as an Xactimate estimate?
No. A bid is the contractor’s price for the job; an Xactimate estimate breaks the repair into line items the insurer can compare item by item. Both can be useful, and the estimate is the one the claim is negotiated on.
What is an Xactimate price list?
A regional, periodically updated set of unit prices for materials and labor. Estimates should use the price list for the property’s area and the right time period.
Can a contractor negotiate my claim using their estimate?
Not in Florida unless licensed as a public adjuster: only an attorney or a licensed public adjuster may negotiate a claim for pay (Fla. Stat. §626.854(20)). A contractor may explain its own bid.
Do you review estimates for law firms?
Yes. See estimating and scoping for law firms.
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.