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 Cape Coral: Yes. Wherever you are in Cape Coral, a licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (239) 414-3777, 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.
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 Florida law sets (Fla. Stat. §626.854(11)(b)). No Recovery, No Fee.
Homeland Results and Reviews in Cape Coral
- Hurricane Irma · Cape Coral — $221,035
- Hurricane Ian · Cape Coral — $174,346
- Hurricane Ian · Cape Coral — $122,549
- Tornado / Wind · Cape Coral — $22,500
Every claim is different. Results depend on each loss and policy; past results don't guarantee a future outcome.
Amounts are insurance payments obtained on each claim, before Homeland's fee and other costs, rounded to the nearest dollar. Client names are withheld for privacy.
“I’m in Cape Coral and went through a really tough situation after Hurricane Ian. Like most people, I had no idea where to even start with the insurance claim process… Thankfully, I had already signed up for Adjuster Advantage…”
“I’ve worked with other public adjusters before, and in my experience, Homeland Public Adjusters clearly stood out above the rest. After Hurricane Milton in Cape Coral, I thought the claims process was going to be complicated…”
“I live in Cape Coral and have worked with Homeland on more than one occasion. They have always been very professional, responsible, and clear throughout the entire process…”
Nearby areas we serve: Public adjuster in Fort Myers · Public adjuster in Lehigh Acres · Public adjuster in Charlotte Harbor · All Florida cities and counties
Experienced Public Adjusters Serving Cape Coral Property Owners
Cape Coral is part of our Lee County public adjuster services.
Cape Coral is part of the area covered by our Southwest Florida public adjusters.
Comparing adjusters? Use our 10-point test for the best public adjuster in Cape Coral, with local storm and flood facts, or see the Lee County guide.
Request A Free Claim Evaluation
Cape Coral Hurricane and Flood Facts
- The National Hurricane Center reports that Hurricane Ian’s storm surge reached 6 to 9 feet above ground level in Pine Island, Cape Coral and other communities at the mouth of the Caloosahatchee River.
- The City of Cape Coral says most residents live in a FEMA Special Flood Hazard Area, and that 25 percent of flooding occurs outside areas formally designated as flood-prone.
- The City of Cape Coral says FEMA completed its first comprehensive review of Lee County flood zones in 14 years, and the new flood maps became effective on November 17, 2022.
- The President declared a major disaster for Florida after Hurricane Ian on September 29, 2022 (FEMA-4673-DR), and Lee County, home to Cape Coral, was in the original group of counties designated for Individual Assistance.
- Average homeowners insurance premium in Lee County: $3,576 a year with wind coverage, $2,119 without; condominium unit owners $1,494 with wind, averaged across all insurers, insured values and deductibles (Florida OIR, Property Insurance Stability Report, July 1, 2026; data as of March 31, 2026). See every county's average.
Insurance Claims We Handle in Cape Coral
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Cape Coral.
Flood Damage
Storm surge and flood losses in Cape Coral, 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 Cape Coral homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Cape Coral businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Cape Coral 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.
Third Party Uninsured Damage Claims
For property owners with no coverage of their own whose damage was caused by someone else's insured loss.
Not sure which claim fits?
Call us 24/7. Florida (239) 414-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Cape Coral 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
A Cape Coral Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Cape Coral, 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.
Professional Standards & Industry Resources
Homeland stays connected to the standards, regulations, and resources that shape public adjusting and property insurance. These include the Florida Department of Financial Services, Division of Consumer Services, Florida Statutes Chapter 626, and FAPIA (Florida Association of Public Insurance Adjusters).
Meet Our TeamPublic Adjusters
W818638
3003982360
Member
Cape Coral 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. Cape Coral 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 Cape Coral. Llámenos al 239-414-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (239) 414-3777
In the News Near Cape Coral, FL
Cape Coral Public Adjuster FAQs
Cape Coral property owners often have questions about when to involve a public adjuster, what happens after damage is discovered, and how representation fits into an insurance claim. Here are answers to common questions. Contact us for a free claim review.
Does Homeland handle flood claims in Cape Coral outside high-risk flood zones?▶
Yes. The City of Cape Coral says 25 percent of flooding happens outside areas formally designated as flood-prone, and Hurricane Ian’s surge reached 6 to 9 feet above ground in Cape Coral. Homeland documents flood, surge and wind damage and handles the claim for you; call our local line 24/7 at (239) 414-3777.
Does Homeland handle hurricane and flood claims in Cape Coral?▶
Yes. Hurricane, wind and flood claims are among the losses Homeland handles, including claims under both NFIP and private flood policies. Cape Coral owners have lived through Hurricane Ian.
I need a really good public adjuster in Cape Coral. How do I pick one?▶
Judge every firm the same way: an active license you can look up on the Florida DFS licensee search, a named adjuster on your file, the fee in writing before you sign, and real results and reviews. Homeland: named licensed adjusters, firm license W818638, serving Florida property owners since 2006, English and Spanish, and a licensed adjuster at your property in Cape Coral.
Who will personally handle my claim?▶
A licensed Homeland public adjuster, named to you on the first call. Our team: Yeni Martinez, President (Florida public adjuster license P103370), Alberto Enriquez (P112658), Yisel Dieguez (W873884) and Nelson Avila (Florida public adjuster license G332385 · Florida Certified Contractor CRC1331322 · property insurance appraiser and umpire). Each license is linked under Verify Homeland.
How much do you charge?▶
Florida law caps what any public adjuster can charge (Florida fee limits). Homeland explains its fee in your written agreement before you sign, so you know it up front. No recovery, no fee. And after you sign, you can still cancel within the period Florida law gives you (your cancellation rights).
Can you get my insurance to pay more?▶
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.
Can someone come out to my place in Cape Coral and look at the damage?▶
Yes. A licensed Homeland public adjuster comes to your property in Cape Coral, and anywhere in Lee County, including Fort Myers and Lehigh Acres. Our office is in Miami Lakes (visits by appointment), but you don’t need to go there. Call (239) 414-3777, 24/7, in English or Spanish.
The insurer already offered money (or paid nothing). Can you still help?▶
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 can reopen or supplement the claim within Florida’s deadlines. Read Claim denied? What to do next.
I need a good public adjuster for damage at my house in Cape Coral. Where do I start?▶
Call a licensed public adjuster before you sign anything or throw anything out. Homeland answers 24/7 at (239) 414-3777, and a licensed adjuster comes to your property in Cape Coral, 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 Cape Coral: burst pipes, AC leaks, roof leaks and flooding. We document the damage, check which policy applies and handle the claim for you. Call (239) 414-3777, 24/7.
My roof (or my AC) is leaking. Is that a claim?▶
It depends on the cause and on your policy, so don’t guess and don’t throw out damaged materials yet. Take photos and video, keep receipts for emergency repairs, and have a licensed public adjuster look at it. Homeland inspects the damage, reads your policy with you and tells you plainly whether it’s worth a claim. Call (239) 414-3777.
By Nelson Avila
What Cape Coral Clients Say About Homeland
Verbatim reviews from Homeland clients on Google.
“After the hurricane damaged our home in Cape Coral, our insurance company offered us an amount that wasn’t even close to what we needed. Thankfully, we found Homeland Public Adjusters. What A difference! They fought for us and got us a much better settlement. I’m so glad we didn’t accept that first offer. As far as I’m concerned, you won’t find a better public adjuster than Homeland!”
“Homeland is by far the best we've worked with.”
“If you’re looking for the best public adjuster, I highly recommend Homeland.”
Storm history near Cape Coral
Since 1851, 47 tropical storms and hurricanes have passed within 50 miles of Cape Coral, 15 of them hurricanes at their closest point, plus 9 tropical depressions and post-tropical storms. The strongest at its closest point was Charley (2004), a Category 4 hurricane 11 miles away. Scroll to follow the storms that shaped the area.
Ian · 2022
At its closest point on September 28, 2022, Ian was a Category 4 hurricane about 10 miles from Cape Coral, with winds near 145 mph.
Gordon · 2018
At its closest point on September 3, 2018, Gordon was a tropical storm about 46 miles from Cape Coral, with winds near 60 mph.
Irma · 2017
At its closest point on September 10, 2017, Irma was a Category 2 hurricane about 18 miles from Cape Coral, with winds near 95 mph.
Charley · 2004
At its closest point on August 13, 2004, Charley was a Category 4 hurricane about 11 miles from Cape Coral, with winds near 145 mph.
Unnamed hurricane · 1935
At its closest point on September 3, 1935, Unnamed hurricane was a Category 4 hurricane about 20 miles from Cape Coral, with winds near 145 mph.
All 56 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2022 | Ian | Category 4 hurricane | 10 mi | 145 mph |
| 2018 | Gordon | Tropical storm | 46 mi | 60 mph |
| 2017 | Irma | Category 2 hurricane | 18 mi | 95 mph |
| 2010 | Bonnie | Tropical depression | 35 mi | 35 mph |
| 2008 | Fay | Tropical storm | 41 mi | 65 mph |
| 2004 | Charley | Category 4 hurricane | 11 mi | 145 mph |
| 2001 | Gabrielle | Tropical storm | 49 mi | 70 mph |
| 1999 | Harvey | Tropical storm | 49 mi | 60 mph |
| 1998 | Mitch | Tropical storm | 28 mi | 65 mph |
| 1994 | Gordon | Tropical storm | 11 mi | 50 mph |
| 1990 | Marco | Tropical storm | 37 mi | 60 mph |
| 1985 | Bob | Tropical storm | 17 mi | 45 mph |
| 1971 | Unnamed storm | Tropical depression | 50 mi | 30 mph |
| 1969 | Jenny | Tropical storm | 24 mi | 40 mph |
| 1968 | Brenda | Tropical depression | 43 mi | 30 mph |
| 1968 | Abby | Tropical storm | 18 mi | 60 mph |
| 1966 | Unnamed storm | Tropical storm | 46 mi | 45 mph |
| 1960 | Donna | Category 3 hurricane | 10 mi | 110 mph |
| 1959 | Judith | Tropical storm | 9 mi | 60 mph |
| 1953 | Hazel | Category 1 hurricane | 7 mi | 85 mph |
| 1951 | How | Tropical storm | 7 mi | 60 mph |
| 1947 | Unnamed hurricane | Category 2 hurricane | 15 mi | 100 mph |
| 1945 | Unnamed hurricane | Category 2 hurricane | 29 mi | 95 mph |
| 1945 | Unnamed storm | Tropical storm | 12 mi | 40 mph |
| 1944 | Unnamed hurricane | Category 2 hurricane | 38 mi | 105 mph |
| 1941 | Unnamed storm | Tropical storm | 11 mi | 70 mph |
| 1936 | Unnamed storm | Tropical storm | 37 mi | 65 mph |
| 1936 | Unnamed storm | Tropical storm | 47 mi | 45 mph |
| 1935 | Unnamed hurricane | Category 4 hurricane | 20 mi | 145 mph |
| 1933 | Unnamed storm | Tropical storm | 25 mi | 45 mph |
| 1932 | Unnamed storm | Tropical storm | 38 mi | 60 mph |
| 1928 | Unnamed storm | Tropical storm | 34 mi | 65 mph |
| 1926 | Unnamed hurricane | Category 2 hurricane | 10 mi | 110 mph |
| 1925 | Unnamed storm | Tropical storm | 19 mi | 60 mph |
| 1921 | Unnamed storm | Tropical depression | 5 mi | 35 mph |
| 1916 | Unnamed storm | Tropical storm | 34 mi | 45 mph |
| 1910 | Unnamed hurricane | Category 2 hurricane | 3 mi | 105 mph |
| 1909 | Unnamed storm | Tropical depression | 43 mi | 35 mph |
| 1909 | Unnamed storm | Tropical depression | 44 mi | 35 mph |
| 1907 | Unnamed storm | Tropical depression | 40 mi | 35 mph |
| 1906 | Unnamed storm | Tropical depression | 9 mi | 30 mph |
| 1904 | Unnamed storm | Tropical storm | 7 mi | 45 mph |
| 1903 | Unnamed storm | Tropical storm | 33 mi | 65 mph |
| 1901 | Unnamed storm | Tropical storm | 15 mi | 45 mph |
| 1899 | Unnamed storm | Tropical storm | 30 mi | 50 mph |
| 1897 | Unnamed storm | Tropical storm | 18 mi | 70 mph |
| 1896 | Unnamed storm | Tropical storm | 14 mi | 55 mph |
| 1894 | Unnamed hurricane | Category 2 hurricane | 3 mi | 100 mph |
| 1891 | Unnamed storm | Post-tropical storm | 9 mi | 35 mph |
| 1888 | Unnamed hurricane | Category 1 hurricane | 3 mi | 80 mph |
| 1878 | Unnamed storm | Tropical storm | 16 mi | 45 mph |
| 1878 | Unnamed storm | Tropical storm | 46 mi | 45 mph |
| 1873 | Unnamed hurricane | Category 3 hurricane | 1 mi | 115 mph |
| 1870 | Unnamed hurricane | Category 1 hurricane | 39 mi | 85 mph |
| 1861 | Unnamed storm | Tropical storm | 32 mi | 65 mph |
| 1859 | Unnamed storm | Tropical storm | 37 mi | 45 mph |
Federal disaster declarations covering Lee County
Since 1965, FEMA has issued 43 federal declarations covering Lee County for storms, floods, winter weather, freezes and fires.
- October 11, 2024 · Hurricane Milton · Major disaster (DR-4834)
- October 7, 2024 · Hurricane Milton · Emergency (EM-3622)
- September 28, 2024 · Hurricane Helene · Major disaster (DR-4828)
- September 24, 2024 · Tropical Storm Helene · Emergency (EM-3615)
- August 10, 2024 · Hurricane Debby · Major disaster (DR-4806)
- August 3, 2024 · Tropical Storm Debby · Emergency (EM-3605)
- August 31, 2023 · Hurricane Idalia · Major disaster (DR-4734)
- August 28, 2023 · Tropical Storm Idalia · Emergency (EM-3596)
All 43 declarations
- December 13, 2022 · Hurricane Nicole · Major disaster (DR-4680)
- November 8, 2022 · Tropical Storm Nicole · Emergency (EM-3587)
- September 29, 2022 · Hurricane Ian · Major disaster (DR-4673)
- September 24, 2022 · Tropical Storm Ian · Emergency (EM-3584)
- July 4, 2021 · Tropical Storm Elsa · Emergency (EM-3561)
- August 30, 2019 · Hurricane Dorian · Emergency (EM-3419)
- September 10, 2017 · Hurricane Irma · Major disaster (DR-4337)
- September 5, 2017 · Hurricane Irma · Emergency (EM-3385)
- April 22, 2017 · Lehigh Acres (Anna Ave. N.) Fire · Fire management (FM-5179)
- July 3, 2012 · Tropical Storm Debby · Major disaster (DR-4068)
- August 24, 2008 · Tropical Storm Fay · Major disaster (DR-1785)
- August 21, 2008 · Tropical Storm Fay · Emergency (EM-3288)
- May 9, 2007 · Calloosahatchee Fire Complex · Fire management (FM-2692)
- October 24, 2005 · Hurricane Wilma · Major disaster (DR-1609)
- September 5, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3220)
- September 26, 2004 · Hurricane Jeanne · Major disaster (DR-1561)
- September 16, 2004 · Hurricane Ivan · Major disaster (DR-1551)
- September 4, 2004 · Hurricane Frances · Major disaster (DR-1545)
- August 13, 2004 · Tropical Storm Bonnie and Hurricane Charley · Major disaster (DR-1539)
- September 28, 2001 · Severe Storms, Tornadoes and Flooding Associated with Tropical Storm Gabrielle · Major disaster (DR-1393)
- February 19, 2001 · Fl - Caloosahatchee Fire Complex · Fire management (FM-2355)
- February 5, 2001 · Severe Freeze · Major disaster (DR-1359)
- October 15, 1999 · Tropical Storm Irene - Florida · Emergency (EM-3150)
- April 27, 1999 · Fl-Fires 04/15/99 · Emergency (EM-3139)
- April 15, 1999 · Fl-Fires 04/13/99 · Fire management (FM-2254)
- September 25, 1998 · Hurricane Grorges · Emergency (EM-3131)
- June 18, 1998 · Extreme Fire Hazard · Major disaster (DR-1223)
- October 4, 1995 · Hurricane Opal · Major disaster (DR-1069)
- January 15, 1990 · Severe Freeze · Major disaster (DR-851)
- March 18, 1985 · Severe Freeze · Major disaster (DR-732)
- January 31, 1977 · Severe Winter Weather · Major disaster (DR-526)
- June 23, 1972 · Tropical Storm Agnes · Major disaster (DR-337)
- March 15, 1971 · Freeze · Major disaster (DR-304)
- November 7, 1968 · Hurricane Gladys · Major disaster (DR-252)
- September 14, 1965 · Hurricane Betsy · Major disaster (DR-209)
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.
Cape Coral Public Adjusters
Homeland serves Cape Coral property owners, available 24/7 by phone at (239) 414-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey.
Cape Coral resources after a property loss
The offices a Cape Coral 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 Lee 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?