Verify Homeland
Check us before you hire anyone. New Jersey public adjuster licenses are issued by the New Jersey Department of Banking and Insurance (DOBI).
- Serves Atlantic City: Yes — statewide in New Jersey. A licensed Homeland public adjuster comes to your property. Call (609) 842-3777.
- Homeland Public Adjusters Corporation: New Jersey public adjuster firm license 3003982360
- Yeni Martinez, President: New Jersey public adjuster license 3003714097
- Yisel Dieguez: Licensed public adjuster and Xactimate estimator, New Jersey 3003714335
- 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.
- English and Spanish. Office: 8004 NW 154th Street, Suite 609, Miami Lakes, FL 33016 (visits by appointment). New Jersey (732) 517-3777 · Florida (305) 783-3777, 24/7.
How It Works: 5 Steps
- Call Homeland first. Call (305) 783-3777 in Florida or (732) 517-3777 in New Jersey, 24/7, in English or Spanish, before you sign anything or throw anything out.
- A licensed adjuster comes to you. A licensed Homeland public adjuster comes to your property and inspects, photographs and measures the damage.
- We document and file the claim. We write a line-item estimate, report the claim for you, or re-open a claim that was denied, underpaid or closed.
- We negotiate with your insurer. We meet the insurer’s adjuster, present the full claim and negotiate it, start to finish. You don’t have to deal with the insurer alone.
- You get paid. Payment goes to you, and our fee is explained in your written agreement before you hire us, within the limits state law sets. No Recovery, No Fee.
Experienced Public Adjusters Serving Atlantic City Property Owners
Request A Free Claim Evaluation
Atlantic City Storm and Flood Facts
- Superstorm Sandy made landfall just south of Atlantic City at about 8 p.m. on October 29, 2012, and the tide at the Atlantic City gauge peaked at 8.8 feet (MLLW), tying the second-highest tide on record there (the gauge's record begins in 1911). The National Weather Service says major tidal flooding begins at 8.0 feet, the level at which "vulnerable homes and businesses may be severely damaged or destroyed."
- Sandy caused serious damage to nine percent of the homes in Atlantic City, according to the State of New Jersey, and more than 300 Atlantic City homeowners later received state aid to rebuild. Ten years on, at least 200 city homes were still classified as regular flood victims.
- A rare September nor'easter on September 26, 2026 brought Atlantic City its highest water levels since Sandy. Governor Mikie Sherrill said first responders rescued dozens of people after 2 to 3 feet of floodwater swept through homes and vehicles, and a state of emergency was declared across eight New Jersey counties including Atlantic County.
- After Hurricane Sandy, the President’s major disaster declaration for New Jersey was dated October 30, 2012 (FEMA-4086-DR), and Atlantic County was one of the first eight counties designated for FEMA Individual Assistance.
- A year earlier, Atlantic County was also designated for FEMA Individual Assistance under New Jersey’s major disaster declaration of August 31, 2011 (FEMA-4021-DR), issued for Hurricane Irene.
Insurance Claims We Handle in Atlantic City
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Atlantic City.
Flood Damage
Storm surge and flood losses in Atlantic City, with help navigating NFIP and private flood policies.
Fire Damage
Structural fire damage as well as damage caused by heat, smoke, and soot.
Water Damage
Broken pipes, plumbing failures, leaks and water intrusion in Atlantic City homes, condos and businesses.
Winter Storm & Roof Damage
Ice dam, snow-load roof collapse, and frozen pipe damage from winter storms in New Jersey.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Atlantic City businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Atlantic City condo and HOA boards and managers.
Renters
Belongings and living expenses when your landlord insures only the building.
Other Claims
For insured clients: vehicle impact, lightning, falling trees and objects, sinkholes, and other events potentially covered by the applicable policy.
Denied & Underpaid
Review of claim decisions, estimates, documentation, and potentially overlooked or disputed damage.
Landlords & Rental Properties
Building damage, loss of rents and tenant-caused damage claims for Atlantic City rental owners.
Not sure which claim fits?
Call us 24/7. New Jersey (609) 842-3777. Florida (305) 783-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Atlantic City owners can understand their policy, keep records ready, prepare before storm season, and have a licensed Homeland public adjuster assigned to their account. Prep tools are available in all 50 states, with adjuster support in Florida and New Jersey.
Joining is free and does not create a contract or agreement with Homeland for any claim. Public adjusting services require a separate written agreement.
Get the Adjuster Advantage™ App
An Atlantic City Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Atlantic City, available 24/7 by phone. Our team combines claim experience, detailed loss documentation, policy review, estimating, and persistent advocacy to help clients through a process that can quickly become complicated.
New Jersey Public Adjusting Standards & Resources
Homeland Public Adjusters is licensed as a public adjuster firm in New Jersey (firm license 3003982360). New Jersey insurers are required to follow the claim-handling timelines in N.J.A.C. 11:2-17, and policyholders can contact the New Jersey Department of Banking and Insurance with questions or complaints.
Meet Our TeamPublic Adjusters
W818638
3003982360
Member
Atlantic City Property Damage? Help Is Available 24/7
After a hurricane, major storm, fire, water loss, or other damaging event, the first priority is safety. Once conditions allow, documenting what happened becomes a crucial part of the claim. Atlantic City property owners can reach Homeland anytime they need guidance.
Hablamos Español. Nuestro equipo está disponible para ayudarle con su reclamo de seguro de propiedad en Atlantic City. Si su hogar, negocio o propiedad en Atlantic City sufrió daños, nuestro equipo está disponible para ayudarle con su reclamo de seguro. Llámenos al 609-842-3777 (Nueva Jersey) o al 305-783-3777 (Florida).
Call Us Now: (609) 842-3777
In the News Near Atlantic City, NJ
Atlantic City Public Adjuster FAQs
Atlantic City property owners often have questions about their rights, responsibilities and options during an insurance claim. Here are answers to common questions. Contact us for a free claim review.
Does Homeland handle tidal-flooding and nor’easter claims in Atlantic City?▶
Yes. Atlantic City floods from both hurricanes and nor’easters: Sandy pushed the city’s tide gauge to 8.8 feet in 2012, and a September 2026 nor’easter brought its highest water since. Homeland documents flood and storm damage and handles the claim for you; call our local line 24/7 at (609) 842-3777.
Does Homeland handle storm, flood and nor’easter claims in Atlantic City?▶
Yes. Hurricane, tropical storm, nor’easter, wind and flood claims are among the losses Homeland handles in New Jersey, including claims under both NFIP and private flood policies.
How long does an insurance company have to respond to my claim in New Jersey?▶
New Jersey regulations require insurers to begin an investigation within 10 working days of notice of a claim, and set a 30-calendar-day period, running from receipt of a properly executed proof of loss, for first-party claims. If more time is needed, the insurer must explain why in writing, with updates every 45 days, unless a clear justification or other law provides otherwise.
Does Homeland serve Egg Harbor Township, Galloway, Absecon, and Pleasantville too?▶
Yes. Homeland represents property owners throughout Atlantic County, not just Atlantic City itself, including Egg Harbor Township, Galloway, Absecon, and Pleasantville.
Is Homeland a licensed public adjuster in New Jersey?▶
Yes. Homeland Public Adjusters Corporation holds New Jersey public adjuster firm license No. 3003982360 from the Department of Banking and Insurance. The insurance adjusters NJ carriers send to Atlantic City properties work for the insurer; as licensed public insurance adjusters, we work only for the policyholder. See what a New Jersey public adjuster license requires.
Who is the best public adjuster in Atlantic City?▶
Judge every firm the same way: an active New Jersey public adjuster license, a named adjuster on your file, the fee in writing before you sign, and real results and reviews. Homeland: New Jersey firm license 3003982360, named licensed adjusters, serving property owners since 2006, and English and Spanish. A licensed adjuster comes to your property in Atlantic City.
Who is actually going to handle my case?▶
A licensed Homeland public adjuster, named to you on the first call. In New Jersey that is Yeni Martinez, President (New Jersey public adjuster license 3003714097), or Yisel Dieguez, licensed public adjuster and Xactimate estimator (New Jersey 3003714335). Both are listed under Verify Homeland.
What percentage do you charge?▶
Homeland explains its fee in your written agreement before you sign, so you know it up front, along with your right to cancel. No recovery, no fee. How New Jersey regulates public adjuster fees: New Jersey fees.
Can you get me more money from my insurance?▶
We document every dollar your policy owes and negotiate for the full amount. What we do: inspect and document all the damage, write a line-item estimate, compare it with the insurer’s, and negotiate the claim for you, start to finish. See our published results.
Is there a public adjuster near me in Atlantic City?▶
Yes. A licensed Homeland public adjuster comes to your property in Atlantic City and anywhere in New Jersey, so you don’t need to visit an office. Call (609) 842-3777, 24/7, in English or Spanish.
My insurance won’t pay. Who do I call?▶
A licensed public adjuster can still help, and underpaid, denied and closed claims are a big part of what we do. We review the insurer’s letter and estimate, inspect the damage and present the full claim. Read Insurance denied or lowballed your claim? Every option, compared.
Can I see results from claims like mine?▶
Yes. Our results and reviews page shows published claim results by type of damage and area, with client reviews. Ask us on the first call about claims similar to yours.
I need a good public adjuster for damage at my house in Atlantic City. Where do I start?▶
Call a licensed public adjuster before you sign anything or throw anything out. Homeland answers 24/7 at (609) 842-3777, and a licensed adjuster comes to your property in Atlantic City, inspects and photographs the damage and explains your options in English or Spanish. The claim review is free. No recovery, no fee.
Water got into my house. Who can help?▶
If you safely can, stop the water and take photos and video before you clean up. Then call a licensed public adjuster. Homeland handles water damage claims in Atlantic City: burst pipes, AC leaks, roof leaks and flooding. We document the damage, check which policy applies and handle the claim for you. Call (609) 842-3777, 24/7.
By Nelson Avila
Storm history near Atlantic City
Since 1851, 30 tropical storms and hurricanes have passed within 50 miles of Atlantic City, 9 of them hurricanes at their closest point, plus 21 tropical depressions and post-tropical storms. The strongest at its closest point was Unnamed hurricane (1944), a Category 2 hurricane 48 miles away. Scroll to follow the storms that shaped the area.
Ida · 2021
At its closest point on September 2, 2021, Ida was a post-tropical storm about 49 miles from Atlantic City, with winds near 40 mph.
Gloria · 1985
At its closest point on September 27, 1985, Gloria was a Category 1 hurricane about 24 miles from Atlantic City, with winds near 95 mph.
Belle · 1976
At its closest point on August 10, 1976, Belle was a Category 1 hurricane about 42 miles from Atlantic City, with winds near 85 mph.
Donna · 1960
At its closest point on September 12, 1960, Donna was a Category 2 hurricane about 38 miles from Atlantic City, with winds near 100 mph.
Unnamed hurricane · 1944
At its closest point on September 14, 1944, Unnamed hurricane was a Category 2 hurricane about 48 miles from Atlantic City, with winds near 105 mph.
All 51 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2021 | Ida | Post-tropical storm | 49 mi | 40 mph |
| 2021 | Elsa | Tropical storm | 8 mi | 60 mph |
| 2020 | Zeta | Post-tropical storm | 39 mi | 50 mph |
| 2020 | Fay | Tropical storm | 3 mi | 50 mph |
| 2013 | Andrea | Post-tropical storm | 16 mi | 45 mph |
| 2012 | Sandy | Post-tropical storm | 3 mi | 80 mph |
| 2011 | Irene | Tropical storm | 3 mi | 70 mph |
| 2008 | Hanna | Tropical storm | 29 mi | 50 mph |
| 2005 | Twenty-Two | Post-tropical storm | 35 mi | 35 mph |
| 2005 | Cindy | Post-tropical storm | 17 mi | 30 mph |
| 2004 | Jeanne | Post-tropical storm | 42 mi | 40 mph |
| 2004 | Charley | Post-tropical storm | 32 mi | 40 mph |
| 2001 | Allison | Tropical storm | 40 mi | 40 mph |
| 2000 | Gordon | Post-tropical storm | 14 mi | 30 mph |
| 1999 | Floyd | Tropical storm | 6 mi | 65 mph |
| 1996 | Bertha | Tropical storm | 33 mi | 70 mph |
| 1985 | Gloria | Category 1 hurricane | 24 mi | 95 mph |
| 1985 | Henri | Tropical storm | 42 mi | 40 mph |
| 1976 | Belle | Category 1 hurricane | 42 mi | 85 mph |
| 1971 | Doria | Tropical storm | 17 mi | 65 mph |
| 1968 | Unnamed storm | Tropical storm | 45 mi | 55 mph |
| 1961 | Unnamed storm | Tropical storm | 8 mi | 60 mph |
| 1960 | Donna | Category 2 hurricane | 38 mi | 100 mph |
| 1960 | Brenda | Tropical storm | 14 mi | 60 mph |
| 1944 | Unnamed storm | Post-tropical storm | 38 mi | 50 mph |
| 1944 | Unnamed hurricane | Category 2 hurricane | 48 mi | 105 mph |
| 1944 | Unnamed storm | Tropical storm | 10 mi | 40 mph |
| 1939 | Unnamed storm | Tropical depression | 15 mi | 35 mph |
| 1934 | Unnamed hurricane | Category 1 hurricane | 48 mi | 80 mph |
| 1934 | Unnamed storm | Post-tropical storm | 49 mi | 45 mph |
| 1924 | Unnamed storm | Post-tropical storm | 16 mi | 70 mph |
| 1916 | Unnamed storm | Post-tropical storm | 15 mi | 55 mph |
| 1904 | Unnamed storm | Post-tropical storm | 4 mi | 75 mph |
| 1903 | Unnamed hurricane | Category 1 hurricane | 14 mi | 80 mph |
| 1902 | Unnamed storm | Post-tropical storm | 15 mi | 45 mph |
| 1900 | Unnamed storm | Post-tropical storm | 21 mi | 40 mph |
| 1897 | Unnamed storm | Tropical storm | 38 mi | 65 mph |
| 1894 | Unnamed hurricane | Category 1 hurricane | 20 mi | 85 mph |
| 1893 | Unnamed hurricane | Category 1 hurricane | 30 mi | 90 mph |
| 1888 | Unnamed storm | Post-tropical storm | 16 mi | 40 mph |
| 1886 | Unnamed storm | Tropical depression | 11 mi | 35 mph |
| 1882 | Unnamed storm | Tropical storm | 3 mi | 45 mph |
| 1882 | Unnamed storm | Tropical storm | 46 mi | 60 mph |
| 1879 | Unnamed hurricane | Category 1 hurricane | 41 mi | 95 mph |
| 1877 | Unnamed storm | Post-tropical storm | 12 mi | 70 mph |
| 1874 | Unnamed storm | Tropical storm | 27 mi | 60 mph |
| 1872 | Unnamed storm | Tropical storm | 28 mi | 45 mph |
| 1866 | Unnamed storm | Post-tropical storm | 10 mi | 65 mph |
| 1863 | Unnamed storm | Tropical storm | 30 mi | 55 mph |
| 1861 | Unnamed storm | Tropical storm | 17 mi | 65 mph |
| 1856 | Unnamed storm | Tropical storm | 26 mi | 60 mph |
Federal disaster declarations covering Atlantic County
Since 1971, FEMA has issued 31 federal declarations covering Atlantic County for storms, floods, winter weather, freezes and fires.
- September 5, 2021 · Remnants of Hurricane Ida · Major disaster (DR-4614)
- September 2, 2021 · Remnants of Hurricane Ida · Emergency (EM-3573)
- December 11, 2020 · Tropical Storm Isaias · Major disaster (DR-4574)
- March 14, 2016 · Severe Winter Storm and Snowstorm · Major disaster (DR-4264)
- July 22, 2015 · Severe Storm · Major disaster (DR-4231)
- October 30, 2012 · Hurricane Sandy · Major disaster (DR-4086)
- October 28, 2012 · Hurricane Sandy · Emergency (EM-3354)
- July 19, 2012 · Severe Storms and Straight-Line Winds · Major disaster (DR-4070)
All 31 declarations
- August 31, 2011 · Hurricane Irene · Major disaster (DR-4021)
- August 27, 2011 · Hurricane Irene · Emergency (EM-3332)
- February 4, 2011 · Severe Winter Storm and Snowstorm · Major disaster (DR-1954)
- April 2, 2010 · Severe Storms and Flooding · Major disaster (DR-1897)
- March 23, 2010 · Severe Winter Storm and Snowstorm · Major disaster (DR-1889)
- February 5, 2010 · Snowstorm · Major disaster (DR-1873)
- December 22, 2009 · Severe Storms and Flooding Associated with Tropical Depression Ida and A Nor'Eas · Major disaster (DR-1867)
- April 26, 2007 · Severe Storms and Inland and Coastal Flooding · Major disaster (DR-1694)
- September 19, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3257)
- March 20, 2003 · Snow · Emergency (EM-3181)
- September 19, 2001 · Fires and Explosions · Emergency (EM-3169)
- September 17, 1999 · Hurricane Floyd Emergency Declarations · Emergency (EM-3148)
- March 3, 1998 · Severe Winter Coastal Storm, High Winds, Flooding · Major disaster (DR-1206)
- September 23, 1997 · Severe Storms and Flooding · Major disaster (DR-1189)
- January 13, 1996 · Blizzard of 96 (Severe Snow Storm) · Major disaster (DR-1088)
- March 17, 1993 · Severe Blizzard · Emergency (EM-3106)
- December 18, 1992 · Coastal Storm, High Tides, Heavy Rain, & Flooding · Major disaster (DR-973)
- March 3, 1992 · Severe Coastal Storm · Major disaster (DR-936)
- October 15, 1985 · Hurricane Gloria · Major disaster (DR-749)
- April 12, 1984 · Coastal Storms & Flooding · Major disaster (DR-701)
- February 8, 1977 · Ice Conditions · Major disaster (DR-528)
- August 21, 1976 · Severe Storms, High Winds & Flooding · Major disaster (DR-519)
- September 4, 1971 · Heavy Rains & Flooding · Major disaster (DR-310)
Sources: National Hurricane Center, HURDAT2 Atlantic best track, 1851–2025; OpenFEMA Disaster Declarations Summaries; U.S. Census Bureau boundaries. Distance is to the storm’s center at its closest point; damage reaches well beyond the center. Older tracks are less precise.
Atlantic City Public Adjusters
Homeland serves Atlantic City property owners, available 24/7 by phone at (609) 842-3777 (New Jersey) and (305) 783-3777 (Florida). We handle claims across all of Florida and New Jersey, including nearby Atlantic County communities such as Ventnor City, Margate City, Brigantine, Pleasantville, Egg Harbor Township and Absecon.
Atlantic City resources after a property loss
The offices a Atlantic City property owner deals with after a loss, from permit history (the first thing an insurer questions on a roof) to the county's storm response. All official Atlantic County and state sources.
- Building permits and inspections
- Property records and assessed value
- Emergency management
- National Weather Service forecast office
- State insurance consumer help
Talk to a Public Adjuster
How Can We Help You Recover, or Prepare?