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 Harbor: Yes. Wherever you are in Charlotte Harbor, 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.
Nearby areas we serve: Public adjuster in Cape Coral · Public adjuster in Fort Myers · All Florida cities and counties
Experienced Public Adjusters Serving Charlotte Harbor Property Owners
Charlotte Harbor is part of our Charlotte County public adjuster services.
Charlotte Harbor is part of the area covered by our Southwest Florida public adjusters.
Request A Free Claim Evaluation
Charlotte County Storm and Claim History
- Hurricane Ian made a second landfall near Punta Gorda on September 28, 2022, with maximum sustained winds of about 144-145 mph, after an initial Cayo Costa landfall at 150 mph as a high-end Category 4 storm. The National Hurricane Center's tropical cyclone report attributes at least 200 destroyed homes in Charlotte County to the storm.
- In Charlotte County, 82,451 insurance claims were filed after Hurricane Ian, according to Florida Office of Insurance Regulation data — among the highest county totals in the state.
- Hurricane Charley made a direct Category 4 hit on this area on August 13, 2004, with the eye passing over Punta Gorda and the eyewall striking Punta Gorda and Port Charlotte with sustained winds estimated near 130 knots (about 150 mph) at landfall. The NOAA tropical cyclone report describes "catastrophic wind damage in Charlotte County" and documented statewide insured losses of roughly $6.8 billion from the storm.
- Hurricane Milton in October 2024 pushed maximum storm surge inundation of 5 to 8 feet above ground level into the northern portion of Charlotte Harbor, according to the National Hurricane Center.
- As Hurricane Ian came ashore in September 2022, Punta Gorda recorded a peak wind gust of 135 mph, according to the NOAA Weather Prediction Center.
- 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 Harbor
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Charlotte Harbor.
Flood Damage
Storm surge and flood losses in Charlotte Harbor, 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 Harbor homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Charlotte Harbor businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Charlotte Harbor 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 Harbor 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 Harbor Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Charlotte Harbor, 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 Harbor 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 Harbor 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 Harbor. Llámenos al 941-267-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (941) 267-3777
In the News Near Charlotte Harbor, FL
Charlotte Harbor Public Adjuster FAQs
Charlotte Harbor 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 storm surge claims in Charlotte Harbor?▶
Yes. Charlotte Harbor has taken major surge and wind in back-to-back storms, from Charley in 2004 to Ian in 2022 and Milton in 2024. Homeland documents wind and water damage separately, which matters when flood and homeowners policies both apply, and handles the claim; call our local line 24/7 at (941) 267-3777.
Does Homeland handle hurricane and storm claims in Charlotte Harbor?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Charlotte County is within Florida’s hurricane-prone coastal region, and we help Charlotte Harbor property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
Who is the best public adjuster in Charlotte Harbor?▶
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 Harbor.
Who is actually going to handle my case?▶
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.
What percentage 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 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 Charlotte Harbor?▶
Yes. A licensed Homeland public adjuster comes to your property in Charlotte Harbor, and anywhere in Charlotte County, including Cape Coral and Fort Myers. 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.
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 can reopen or supplement the claim within Florida’s deadlines. Read Claim denied? What to do next.
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 Harbor. 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 Harbor, 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 Charlotte Harbor: burst pipes, AC leaks, roof leaks and flooding. We document the damage, check which policy applies and handle the claim for you. Call (941) 267-3777, 24/7.
By Nelson Avila
Storm history near Charlotte Harbor
Since 1851, 45 tropical storms and hurricanes have passed within 50 miles of Charlotte Harbor, 17 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 30 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 43 miles from Charlotte Harbor, with winds near 110 mph.
Ian · 2022
At its closest point on September 28, 2022, Ian was a Category 4 hurricane about 9 miles from Charlotte Harbor, with winds near 140 mph.
Irma · 2017
At its closest point on September 11, 2017, Irma was a Category 1 hurricane about 18 miles from Charlotte Harbor, with winds near 90 mph.
Charley · 2004
At its closest point on August 13, 2004, Charley was a Category 4 hurricane about 4 miles from Charlotte Harbor, with winds near 140 mph.
Unnamed hurricane · 1935
At its closest point on September 3, 1935, Unnamed hurricane was a Category 4 hurricane about 30 miles from Charlotte Harbor, with winds near 145 mph.
All 53 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2024 | Milton | Category 3 hurricane | 43 mi | 110 mph |
| 2022 | Ian | Category 4 hurricane | 9 mi | 140 mph |
| 2017 | Irma | Category 1 hurricane | 18 mi | 90 mph |
| 2017 | Emily | Tropical storm | 37 mi | 40 mph |
| 2004 | Charley | Category 4 hurricane | 4 mi | 140 mph |
| 2001 | Gabrielle | Tropical storm | 32 mi | 65 mph |
| 1998 | Mitch | Tropical storm | 48 mi | 65 mph |
| 1994 | Gordon | Tropical storm | 27 mi | 50 mph |
| 1990 | Marco | Tropical storm | 36 mi | 60 mph |
| 1988 | Keith | Tropical storm | 36 mi | 60 mph |
| 1985 | Bob | Tropical storm | 39 mi | 45 mph |
| 1984 | Unnamed storm | Tropical depression | 35 mi | 30 mph |
| 1983 | Barry | Tropical depression | 35 mi | 30 mph |
| 1971 | Unnamed storm | Tropical depression | 47 mi | 30 mph |
| 1969 | Jenny | Tropical storm | 35 mi | 40 mph |
| 1968 | Brenda | Tropical depression | 47 mi | 30 mph |
| 1968 | Abby | Tropical storm | 3 mi | 60 mph |
| 1966 | Unnamed storm | Tropical storm | 46 mi | 45 mph |
| 1960 | Donna | Category 2 hurricane | 12 mi | 105 mph |
| 1959 | Judith | Tropical storm | 16 mi | 60 mph |
| 1953 | Hazel | Category 1 hurricane | 14 mi | 85 mph |
| 1951 | How | Tropical storm | 15 mi | 60 mph |
| 1947 | Unnamed hurricane | Category 2 hurricane | 35 mi | 100 mph |
| 1946 | Unnamed hurricane | Category 1 hurricane | 47 mi | 85 mph |
| 1945 | Unnamed hurricane | Category 1 hurricane | 26 mi | 90 mph |
| 1945 | Unnamed storm | Tropical storm | 28 mi | 40 mph |
| 1944 | Unnamed hurricane | Category 2 hurricane | 31 mi | 105 mph |
| 1941 | Unnamed storm | Tropical storm | 27 mi | 70 mph |
| 1935 | Unnamed hurricane | Category 4 hurricane | 30 mi | 145 mph |
| 1933 | Unnamed storm | Tropical storm | 3 mi | 45 mph |
| 1928 | Unnamed hurricane | Category 2 hurricane | 49 mi | 105 mph |
| 1928 | Unnamed storm | Tropical storm | 42 mi | 65 mph |
| 1926 | Unnamed hurricane | Category 3 hurricane | 25 mi | 115 mph |
| 1925 | Unnamed storm | Tropical storm | 35 mi | 60 mph |
| 1921 | Unnamed storm | Tropical depression | 12 mi | 35 mph |
| 1916 | Unnamed storm | Tropical storm | 32 mi | 45 mph |
| 1910 | Unnamed hurricane | Category 1 hurricane | 7 mi | 95 mph |
| 1909 | Unnamed storm | Tropical depression | 36 mi | 35 mph |
| 1906 | Unnamed storm | Tropical depression | 17 mi | 30 mph |
| 1904 | Unnamed storm | Tropical storm | 14 mi | 40 mph |
| 1903 | Unnamed storm | Tropical storm | 17 mi | 65 mph |
| 1901 | Unnamed storm | Tropical storm | 5 mi | 45 mph |
| 1899 | Unnamed storm | Tropical storm | 43 mi | 55 mph |
| 1897 | Unnamed storm | Tropical storm | 4 mi | 65 mph |
| 1896 | Unnamed storm | Tropical storm | 33 mi | 55 mph |
| 1894 | Unnamed hurricane | Category 2 hurricane | 11 mi | 95 mph |
| 1891 | Unnamed storm | Post-tropical storm | 26 mi | 35 mph |
| 1888 | Unnamed storm | Tropical storm | 50 mi | 40 mph |
| 1888 | Unnamed hurricane | Category 1 hurricane | 23 mi | 80 mph |
| 1878 | Unnamed storm | Tropical storm | 2 mi | 45 mph |
| 1873 | Unnamed hurricane | Category 3 hurricane | 18 mi | 110 mph |
| 1861 | Unnamed storm | Tropical storm | 45 mi | 60 mph |
| 1859 | Unnamed storm | Tropical storm | 23 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 Harbor Public Adjusters
Homeland serves Charlotte Harbor 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.
Charlotte Harbor resources after a property loss
The offices a Charlotte Harbor 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?