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.
Short answer: American Coastal Insurance Company (AmCoastal) is the insurance subsidiary of American Coastal Insurance Corporation (Nasdaq: ACIC), a holding company primarily engaged in commercial property insurance, mostly in Florida. At July 31, 2026, it reported 4,202 condominium association policies, more than any other insurer reporting to Florida’s Office of Insurance Regulation.
Last reviewed: October 2026
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American Coastal in Florida, by the numbers
American Coastal reported 4,495 Florida commercial residential policies at July 31, 2026, ranking #79 among the 163 companies in OIR’s July 2026 report by policy count; 4,202 of them were condominium association policies. Its policies are fewer than a homeowners insurer’s, but each one covers a whole building or complex. It reported 50 new claims opened in July 2026.
Source: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026. Figures are company filings published without audit by OIR. Many associations are insured in the surplus lines market, which this report does not cover.
American Coastal compared with the Florida market
Per 1,000 policies in force, July 2026. American Coastal: 4,495 Florida residential policies; Florida: all 163 companies in the report, 7,717,729 policies. Source: Florida OIR monthly MIR report, July 2026 (company filings, not audited by OIR). One month of data; a single month can swing after a storm.
Questions about a claim with this insurer? Call Homeland first: (305) 783-3777, 24/7.
Before you call American Coastal
Call us first, so we can read your full policy and give American Coastal written notice with the facts and photos that support the claim. Until then, photograph everything before anything is thrown out, make only the repairs that stop more damage, and don’t give a statement or sign anything. See the first 24 hours after property damage.
Your deadlines and American Coastal’s, in Florida
Give notice within 1 year of the date of loss (18 months for a supplemental claim); we give it for you. The insurer must acknowledge the claim within 7 days and pay or deny within 60 days of notice, unless factors beyond its control intervene (Fla. Stat. §§627.70132, 627.70131). See every Florida and New Jersey claim deadline.
What makes an association claim different
How Homeland helps with your American Coastal claim
We represent you, not the insurance company. We read your policy, document the loss, prepare a line-item estimate, and handle the claim with American Coastal’s adjusters from start to finish, in English or Spanish. If American Coastal has already paid or denied, upload the letter or estimate to Claim Review for a free first read.
Frequently asked questions
Should I call American Coastal first?
Who is the largest condo association insurer in Florida?
Can our association hire a public adjuster on an American Coastal claim?
Sources: American Coastal Insurance Corporation, Form 10-Q for the quarter ended June 30, 2026; Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026; Fla. Stat. §627.70131; Fla. Stat. §627.70132.
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Homeland Public Adjusters is not affiliated with, endorsed by or sponsored by any insurance company named on this page. Company names are used only to identify the insurer. This page is general information, not legal advice.
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American Coastal Claims We Handle
We represent property owners on American Coastal claims: homes, condo units, rentals, mobile homes, condominium associations and businesses, in English or Spanish. We work for you, never the insurer.
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 within hours — 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.