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 Charlotte County: Yes — every city in Charlotte County. A licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (941) 267-3777, 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.
Experienced Public Adjusters Serving Charlotte County Property Owners
Charlotte County is part of the area covered by our Southwest Florida public adjusters.
Request A Free Claim Evaluation
Charlotte County Storm History
- Hurricane Ian made its second Florida landfall at Punta Gorda, on the Charlotte County mainland, on September 28, 2022.
- The storm tore apart the county's electrical system; Governor Ron DeSantis described Lee and Charlotte counties as “basically off the grid” in the storm's aftermath. In Punta Gorda, the Emergency Operations Center itself took on water through its door as the eye of the storm passed overhead.
- The National Hurricane Center’s report on Hurricane Ian says at least 200 homes were destroyed in Charlotte County.
- Charlotte County was one of nine Florida counties designated for FEMA Individual Assistance in the Hurricane Ian major disaster declaration, FEMA-4673-DR, declared September 29, 2022.
- Average homeowners insurance premium in Charlotte County: $3,160 a year with wind coverage, $1,661 without; condominium unit owners $1,394 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 Charlotte County
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Charlotte County.
Flood Damage
Storm surge and flood losses in Charlotte County, 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 Charlotte County homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Charlotte County businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Charlotte County 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 (941) 267-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Charlotte County 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 Charlotte County Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Charlotte County, 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
Charlotte County 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. Charlotte County 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 Charlotte County. Llámenos al 941-267-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (941) 267-3777
Cities We Serve in Charlotte County
Homeland’s Charlotte County public adjusters also have local pages for Charlotte Harbor, FL.
In the News Near Charlotte County, FL
Charlotte County Public Adjuster FAQs
Charlotte County 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 hurricane claims in Charlotte County after Hurricane Ian?▶
Yes. Hurricane Ian made landfall at Punta Gorda in 2022, and the National Hurricane Center reports at least 200 homes were destroyed in Charlotte County. Homeland documents the wind and water damage and handles the claim with your insurer; call our local line 24/7 at (941) 267-3777.
Does Homeland handle hurricane claims in Charlotte County?▶
Yes. Hurricane, wind, flood and storm surge claims are among the losses Homeland handles. Charlotte County took Hurricane Ian's second Florida landfall at Punta Gorda in 2022, and we help Charlotte County property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
Who is the best public adjuster in Charlotte County?▶
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 Charlotte County.
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 Charlotte County and look at the damage?▶
Yes. A licensed Homeland public adjuster comes to your property anywhere in Charlotte County, including Charlotte Harbor and Cape Coral. Our office is in Miami Lakes (visits by appointment), but you don’t need to go there. Call (941) 267-3777, 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 already opened a claim. Can I still hire a public adjuster?▶
Yes. You can bring in a public adjuster at any stage: right after you report the claim, while the insurer is still inspecting, or after an offer or a denial. We review what has been filed and said so far, and from then on we deal with the insurer for you.
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 Charlotte County. Where do I start?▶
Call a licensed public adjuster before you sign anything or throw anything out. Homeland answers 24/7 at (941) 267-3777, and a licensed adjuster comes to your property in Charlotte County, inspects and photographs the damage and explains your options in English or Spanish. The claim review is free. No recovery, no fee.
By Nelson Avila
Storm history near Charlotte County
Since 1851, 44 tropical storms and hurricanes have passed within 50 miles of Charlotte County, 16 of them hurricanes at their closest point, plus 8 tropical depressions and post-tropical storms. The strongest at its closest point was Unnamed hurricane (1935), a Category 4 hurricane 31 miles away. Scroll to follow the storms that shaped the area.
Milton · 2024
At its closest point on October 10, 2024, Milton was a Category 3 hurricane about 48 miles from Charlotte County, with winds near 110 mph.
Ian · 2022
At its closest point on September 28, 2022, Ian was a Category 4 hurricane about 4 miles from Charlotte County, with winds near 140 mph.
Irma · 2017
At its closest point on September 11, 2017, Irma was a Category 1 hurricane about 16 miles from Charlotte County, with winds near 90 mph.
Charley · 2004
At its closest point on August 13, 2004, Charley was a Category 4 hurricane about 6 miles from Charlotte County, with winds near 145 mph.
Unnamed hurricane · 1935
At its closest point on September 3, 1935, Unnamed hurricane was a Category 4 hurricane about 31 miles from Charlotte County, with winds near 145 mph.
All 52 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2024 | Milton | Category 3 hurricane | 48 mi | 110 mph |
| 2022 | Ian | Category 4 hurricane | 4 mi | 140 mph |
| 2017 | Irma | Category 1 hurricane | 16 mi | 90 mph |
| 2017 | Emily | Tropical storm | 41 mi | 40 mph |
| 2008 | Fay | Tropical storm | 48 mi | 65 mph |
| 2004 | Charley | Category 4 hurricane | 6 mi | 145 mph |
| 2001 | Gabrielle | Tropical storm | 37 mi | 65 mph |
| 1998 | Mitch | Tropical storm | 43 mi | 65 mph |
| 1994 | Gordon | Tropical storm | 22 mi | 50 mph |
| 1990 | Marco | Tropical storm | 39 mi | 60 mph |
| 1988 | Keith | Tropical storm | 41 mi | 60 mph |
| 1985 | Bob | Tropical storm | 35 mi | 45 mph |
| 1984 | Unnamed storm | Tropical depression | 38 mi | 30 mph |
| 1983 | Barry | Tropical depression | 39 mi | 30 mph |
| 1971 | Unnamed storm | Tropical depression | 44 mi | 30 mph |
| 1969 | Jenny | Tropical storm | 31 mi | 40 mph |
| 1968 | Brenda | Tropical depression | 43 mi | 30 mph |
| 1968 | Abby | Tropical storm | 8 mi | 60 mph |
| 1966 | Unnamed storm | Tropical storm | 49 mi | 45 mph |
| 1960 | Donna | Category 2 hurricane | 9 mi | 105 mph |
| 1959 | Judith | Tropical storm | 11 mi | 60 mph |
| 1953 | Hazel | Category 1 hurricane | 9 mi | 85 mph |
| 1951 | How | Tropical storm | 11 mi | 60 mph |
| 1947 | Unnamed hurricane | Category 2 hurricane | 32 mi | 100 mph |
| 1945 | Unnamed hurricane | Category 1 hurricane | 24 mi | 95 mph |
| 1945 | Unnamed storm | Tropical storm | 27 mi | 40 mph |
| 1944 | Unnamed hurricane | Category 2 hurricane | 35 mi | 105 mph |
| 1941 | Unnamed storm | Tropical storm | 26 mi | 70 mph |
| 1935 | Unnamed hurricane | Category 4 hurricane | 31 mi | 145 mph |
| 1933 | Unnamed storm | Tropical storm | 6 mi | 45 mph |
| 1928 | Unnamed hurricane | Category 2 hurricane | 50 mi | 105 mph |
| 1928 | Unnamed storm | Tropical storm | 42 mi | 65 mph |
| 1926 | Unnamed hurricane | Category 3 hurricane | 24 mi | 110 mph |
| 1925 | Unnamed storm | Tropical storm | 30 mi | 60 mph |
| 1921 | Unnamed storm | Tropical depression | 6 mi | 35 mph |
| 1916 | Unnamed storm | Tropical storm | 29 mi | 45 mph |
| 1910 | Unnamed hurricane | Category 2 hurricane | 3 mi | 100 mph |
| 1909 | Unnamed storm | Tropical depression | 34 mi | 35 mph |
| 1906 | Unnamed storm | Tropical depression | 13 mi | 30 mph |
| 1904 | Unnamed storm | Tropical storm | 11 mi | 45 mph |
| 1903 | Unnamed storm | Tropical storm | 18 mi | 65 mph |
| 1901 | Unnamed storm | Tropical storm | 2 mi | 45 mph |
| 1899 | Unnamed storm | Tropical storm | 43 mi | 55 mph |
| 1897 | Unnamed storm | Tropical storm | 9 mi | 65 mph |
| 1896 | Unnamed storm | Tropical storm | 28 mi | 55 mph |
| 1894 | Unnamed hurricane | Category 2 hurricane | 8 mi | 100 mph |
| 1891 | Unnamed storm | Post-tropical storm | 21 mi | 35 mph |
| 1888 | Unnamed hurricane | Category 1 hurricane | 21 mi | 80 mph |
| 1878 | Unnamed storm | Tropical storm | 4 mi | 45 mph |
| 1873 | Unnamed hurricane | Category 3 hurricane | 13 mi | 110 mph |
| 1861 | Unnamed storm | Tropical storm | 40 mi | 65 mph |
| 1859 | Unnamed storm | Tropical storm | 24 mi | 45 mph |
Federal disaster declarations covering Charlotte County
Since 1968, FEMA has issued 40 federal declarations covering Charlotte 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 40 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)
- 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)
- 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)
- July 29, 2003 · Severe Storms and Flooding · Major disaster (DR-1481)
- September 28, 2001 · Severe Storms, Tornadoes and Flooding Associated with Tropical Storm Gabrielle · Major disaster (DR-1393)
- April 18, 2001 · Fl - Myakka Complex Fire · Fire management (FM-2358)
- 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 23, 1999 · Fl-Fires 04/13/99 · Fire management (FM-2260)
- September 25, 1998 · Hurricane Grorges · Emergency (EM-3131)
- June 18, 1998 · Extreme Fire Hazard · Major disaster (DR-1223)
- March 13, 1993 · Tornadoes, Flooding, High Winds & Tides, Freezing · Major disaster (DR-982)
- August 14, 1992 · Severe Storms & Flooding · Major disaster (DR-952)
- 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)
- November 7, 1968 · Hurricane Gladys · Major disaster (DR-252)
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.
Charlotte County Public Adjusters
Homeland serves Charlotte County property owners, available 24/7 by phone at (941) 267-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey, including Punta Gorda, Port Charlotte and North Port.
Charlotte County resources after a property loss
The offices a Charlotte County 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 Charlotte 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?