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 Coral Gables: Yes. Wherever you are in Coral Gables, 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.
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 Coral Gables Property Owners
Comparing adjusters? Use our 10-point test for the best public adjuster in Miami-Dade County, with local storm and flood facts.
Request A Free Claim Evaluation
Coral Gables (Miami-Dade County) Storm and Claim History
- Hurricane Andrew struck Coral Gables on August 24, 1992. At the National Hurricane Center's then-headquarters in Coral Gables, instruments recorded sustained winds of 115 mph and gusts to 164 mph before the building's own anemometer and WSR-57 radar were torn off the roof and destroyed.
- Hurricane Irma in September 2017 brought a peak surveyed storm-surge inundation slightly over 6 feet in isolated spots in Coconut Grove, among the highest readings recorded anywhere along the Biscayne Bay shoreline; a monitoring station at Dinner Key recorded sustained winds of 58 mph and gusts to 82 mph.
- Irma's surge and wind pushed boats from Coconut Grove's marinas ashore near the Barnacle Historic State Park, and a station in Coral Gables recorded a peak wind gust of 90 mph before its anemometer failed ahead of the storm's local peak.
- Florida’s Office of Insurance Regulation counted 152,201 insurance claims in Miami-Dade County from Hurricane Irma in 2017, as of its November 9, 2020 data.
- After Hurricane Irma, FEMA designated Miami-Dade County for Individual Assistance under major disaster declaration DR-4337, making help available to affected households.
- Average homeowners insurance premium in Miami-Dade County: $5,975 a year with wind coverage, $3,779 without; condominium unit owners $2,801 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 Coral Gables
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Coral Gables.
Flood Damage
Storm surge and flood losses in Coral Gables, 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 Coral Gables homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Coral Gables businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Coral Gables 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 (305) 783-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Coral Gables 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 Coral Gables Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Coral Gables, 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
Coral Gables 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. Coral Gables 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 Coral Gables. Llámenos al 305-783-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (305) 783-3777
In the News Near Coral Gables, FL
Coral Gables Public Adjuster FAQs
Coral Gables 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 and wind claims in Coral Gables?▶
Yes. Hurricane Irma pushed surge of slightly over 6 feet into isolated spots near Coconut Grove in 2017, and Miami-Dade County recorded 152,201 Irma insurance claims. Homeland documents surge, wind and roof damage and handles the claim for you; call our local line 24/7 at (305) 783-3777.
Does Homeland handle hurricane and storm claims in Coral Gables?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Coral Gables is in Miami-Dade County, within Florida’s hurricane-prone coastal region, and we help Coral Gables property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
Who’s the best public adjuster you can recommend in Coral Gables?▶
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 Coral Gables.
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 Coral Gables?▶
Yes. A licensed Homeland public adjuster comes to your property in Coral Gables, and anywhere in Miami-Dade County, including Palmetto Bay and Kendall. Our office is in Miami Lakes (visits by appointment), but you don’t need to go there. Call (305) 783-3777, 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.
I need a good public adjuster for damage at my house in Coral Gables. Where do I start?▶
Call a licensed public adjuster before you sign anything or throw anything out. Homeland answers 24/7 at (305) 783-3777, and a licensed adjuster comes to your property in Coral Gables, inspects and photographs the damage and explains your options in English or Spanish. The claim review is free. No recovery, no fee.
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 (305) 783-3777.
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.
By Nelson Avila
Storm history near Coral Gables
Since 1851, 50 tropical storms and hurricanes have passed within 50 miles of Coral Gables, 25 of them hurricanes at their closest point, plus 16 tropical depressions and post-tropical storms. The strongest at its closest point was Andrew (1992), a Category 5 hurricane 13 miles away. Scroll to follow the storms that shaped the area.
Gordon · 2018
At its closest point on September 3, 2018, Gordon was a tropical storm about 48 miles from Coral Gables, with winds near 50 mph.
Katrina · 2005
At its closest point on August 26, 2005, Katrina was a Category 1 hurricane about 14 miles from Coral Gables, with winds near 80 mph.
Irene · 1999
At its closest point on October 15, 1999, Irene was a Category 1 hurricane about 32 miles from Coral Gables, with winds near 75 mph.
Andrew · 1992
At its closest point on August 24, 1992, Andrew was a Category 5 hurricane about 13 miles from Coral Gables, with winds near 165 mph.
Unnamed hurricane · 1926
At its closest point on September 18, 1926, Unnamed hurricane was a Category 4 hurricane about 6 miles from Coral Gables, with winds near 145 mph.
All 66 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2020 | Sally | Tropical depression | 6 mi | 35 mph |
| 2018 | Gordon | Tropical storm | 48 mi | 50 mph |
| 2010 | Bonnie | Tropical storm | 16 mi | 40 mph |
| 2006 | Ernesto | Tropical storm | 39 mi | 45 mph |
| 2005 | Katrina | Category 1 hurricane | 14 mi | 80 mph |
| 2004 | Ivan | Post-tropical storm | 20 mi | 30 mph |
| 1999 | Irene | Category 1 hurricane | 32 mi | 75 mph |
| 1999 | Harvey | Tropical storm | 42 mi | 55 mph |
| 1992 | Andrew | Category 5 hurricane | 13 mi | 165 mph |
| 1991 | Fabian | Tropical storm | 44 mi | 45 mph |
| 1988 | Unnamed storm | Tropical depression | 50 mi | 25 mph |
| 1987 | Floyd | Tropical storm | 33 mi | 70 mph |
| 1981 | Unnamed storm | Tropical depression | 9 mi | 30 mph |
| 1976 | Dottie | Tropical storm | 35 mi | 40 mph |
| 1974 | Unnamed storm | Tropical storm | 48 mi | 60 mph |
| 1972 | Dawn | Tropical depression | 28 mi | 35 mph |
| 1970 | Felice | Tropical depression | 50 mi | 30 mph |
| 1969 | Gerda | Tropical depression | 44 mi | 30 mph |
| 1968 | Unnamed storm | Tropical depression | 24 mi | 35 mph |
| 1968 | Dolly | Tropical depression | 22 mi | 35 mph |
| 1966 | Inez | Category 1 hurricane | 42 mi | 95 mph |
| 1965 | Betsy | Category 3 hurricane | 45 mi | 115 mph |
| 1964 | Cleo | Category 2 hurricane | 12 mi | 110 mph |
| 1962 | Alma | Tropical depression | 34 mi | 30 mph |
| 1958 | Unnamed storm | Tropical depression | 25 mi | 30 mph |
| 1956 | Unnamed storm | Tropical storm | 22 mi | 65 mph |
| 1954 | Unnamed storm | Tropical depression | 34 mi | 30 mph |
| 1953 | Unnamed storm | Tropical storm | 43 mi | 40 mph |
| 1952 | Unnamed storm | Tropical storm | 39 mi | 60 mph |
| 1950 | King | Category 4 hurricane | 4 mi | 130 mph |
| 1948 | Unnamed hurricane | Category 1 hurricane | 3 mi | 95 mph |
| 1947 | Unnamed hurricane | Category 1 hurricane | 16 mi | 80 mph |
| 1947 | Unnamed hurricane | Category 3 hurricane | 29 mi | 125 mph |
| 1946 | Unnamed storm | Tropical storm | 50 mi | 45 mph |
| 1945 | Unnamed hurricane | Category 3 hurricane | 20 mi | 130 mph |
| 1941 | Unnamed hurricane | Category 2 hurricane | 12 mi | 95 mph |
| 1936 | Unnamed storm | Tropical storm | 25 mi | 60 mph |
| 1936 | Unnamed storm | Tropical storm | 10 mi | 45 mph |
| 1935 | Unnamed hurricane | Category 1 hurricane | 13 mi | 95 mph |
| 1932 | Unnamed storm | Tropical storm | 24 mi | 65 mph |
| 1929 | Unnamed hurricane | Category 3 hurricane | 50 mi | 115 mph |
| 1926 | Unnamed hurricane | Category 3 hurricane | 28 mi | 125 mph |
| 1926 | Unnamed hurricane | Category 4 hurricane | 6 mi | 145 mph |
| 1924 | Unnamed storm | Tropical storm | 20 mi | 70 mph |
| 1916 | Unnamed storm | Post-tropical storm | 13 mi | 60 mph |
| 1916 | Unnamed storm | Tropical storm | 5 mi | 45 mph |
| 1909 | Unnamed hurricane | Category 2 hurricane | 30 mi | 110 mph |
| 1909 | Unnamed storm | Tropical storm | 22 mi | 50 mph |
| 1907 | Unnamed storm | Tropical depression | 13 mi | 35 mph |
| 1906 | Unnamed hurricane | Category 3 hurricane | 5 mi | 115 mph |
| 1906 | Unnamed hurricane | Category 1 hurricane | 3 mi | 85 mph |
| 1904 | Unnamed storm | Tropical depression | 3 mi | 35 mph |
| 1903 | Unnamed hurricane | Category 1 hurricane | 30 mi | 85 mph |
| 1901 | Unnamed storm | Tropical storm | 43 mi | 45 mph |
| 1895 | Unnamed storm | Tropical depression | 38 mi | 35 mph |
| 1892 | Unnamed storm | Tropical storm | 31 mi | 40 mph |
| 1891 | Unnamed hurricane | Category 1 hurricane | 18 mi | 75 mph |
| 1889 | Unnamed storm | Tropical storm | 27 mi | 45 mph |
| 1888 | Unnamed storm | Tropical storm | 9 mi | 40 mph |
| 1888 | Unnamed hurricane | Category 3 hurricane | 12 mi | 125 mph |
| 1878 | Unnamed hurricane | Category 1 hurricane | 15 mi | 80 mph |
| 1876 | Unnamed storm | Tropical storm | 36 mi | 70 mph |
| 1870 | Unnamed hurricane | Category 2 hurricane | 43 mi | 105 mph |
| 1865 | Unnamed hurricane | Category 2 hurricane | 30 mi | 100 mph |
| 1863 | Unnamed storm | Tropical storm | 28 mi | 55 mph |
| 1859 | Unnamed storm | Tropical storm | 50 mi | 70 mph |
Federal disaster declarations covering Miami-Dade County
Since 1965, FEMA has issued 39 federal declarations covering Miami-Dade 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)
- 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 1, 2020 · Hurricane Isaias · Emergency (EM-3533)
All 39 declarations
- 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)
- October 6, 2016 · Hurricane Matthew · Emergency (EM-3377)
- August 21, 2008 · Tropical Storm Fay · Emergency (EM-3288)
- October 24, 2005 · Hurricane Wilma · Major disaster (DR-1609)
- September 20, 2005 · Tropical Storm Rita · Emergency (EM-3259)
- September 5, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3220)
- August 28, 2005 · Hurricane Katrina · Major disaster (DR-1602)
- September 26, 2004 · Hurricane Jeanne · Major disaster (DR-1561)
- September 4, 2004 · Hurricane Frances · Major disaster (DR-1545)
- August 13, 2004 · Tropical Storm Bonnie and Hurricane Charley · Major disaster (DR-1539)
- April 25, 2003 · Severe Storms and Tornadoes · Major disaster (DR-1460)
- April 25, 2001 · Fl - Everglades Fire Complex - 04/25/01 · Fire management (FM-2359)
- February 5, 2001 · Severe Freeze · Major disaster (DR-1359)
- October 4, 2000 · Severe Storms and Flooding · Major disaster (DR-1345)
- October 20, 1999 · Fl-Hurricane Irene-Dr-Req · Major disaster (DR-1306)
- October 15, 1999 · Tropical Storm Irene - Florida · Emergency (EM-3150)
- September 14, 1999 · Hurricane Floyd Emergency Declarations · Emergency (EM-3143)
- April 27, 1999 · Fl-Fires 04/15/99 · Emergency (EM-3139)
- April 18, 1999 · Fl-Fires 04/13/99 · Fire management (FM-2256)
- September 25, 1998 · Hurricane Grorges · Emergency (EM-3131)
- June 18, 1998 · Extreme Fire Hazard · Major disaster (DR-1223)
- February 12, 1998 · Severe Storms, High Winds, Tornadoes, and Flooding · Major disaster (DR-1204)
- March 13, 1993 · Tornadoes, Flooding, High Winds & Tides, Freezing · Major disaster (DR-982)
- August 24, 1992 · Hurricane Andrew · Major disaster (DR-955)
- 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)
- March 15, 1971 · Freeze · Major disaster (DR-304)
- 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.
Coral Gables Public Adjusters
Homeland serves Coral Gables property owners, available 24/7 by phone at (305) 783-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey.
Coral Gables resources after a property loss
The offices a Coral Gables 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 Miami-Dade 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?