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: Tower Hill Insurance Exchange, part of Tower Hill Insurance Group, is Florida’s fourth-largest residential insurer and the largest writer of rental dwelling (DP) policies in the state, with about 1 in 6.
Last reviewed: October 2026
How Can We Help You Recover, or Prepare?
Tower Hill in Florida, by the numbers
At July 31, 2026, Tower Hill reported 428,138 Florida residential policies in force, ranking #4 among the 163 companies in OIR’s July 2026 report by residential policy count: 231,469 homeowners, 124,446 rental dwelling (DP), 43,246 mobile home, 21,328 condo unit (HO-6), and 7,649 renters. It reported 1,332 new claims opened in July 2026.
In July 2026, Tower Hill reported opening 1,332 claims and closing 1,304; 1,302 claims were still pending at month-end, and 347 lawsuits were open. Policyholders or the company invoked mediation on 13 claims that month.
Source: Florida Office of Insurance Regulation, Monthly Market Intelligence Report, July 2026. Figures are company filings published without audit by OIR.
Tower Hill compared with the Florida market
Per 1,000 policies in force, July 2026. Tower Hill: 428,138 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 Tower Hill
Call us first, so we can read your full policy and give Tower Hill 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 Tower Hill’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.
Where Tower Hill claims most often need help
Because Tower Hill insures so many rental homes and mobile homes, many of its claims come from landlords: damage found between tenants, tenant-caused damage, and lost rent while the home is repaired. See landlord claims and mobile and manufactured home claims.
How Homeland helps with your Tower Hill 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 Tower Hill’s adjusters from start to finish, in English or Spanish. If Tower Hill has already paid or denied, upload the letter or estimate to Claim Review for a free first read.
Frequently asked questions
Should I call Tower Hill first?
Why does my policy say “Tower Hill Insurance Exchange”?
My rental home is insured by Tower Hill. Is lost rent covered?
Sources: 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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Tower Hill Claims We Handle
We represent property owners on Tower Hill 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.