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 Elizabeth: Yes — statewide in New Jersey. A licensed Homeland public adjuster comes to your property. Call (908) 437-3777.
- 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 Elizabeth Property Owners
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Elizabeth Storm and Flood Facts
- During Hurricane Sandy, the National Hurricane Center reports that inundations of 4 to 6 feet were measured across Newark Bay in Elizabeth and the area around Newark Liberty International Airport.
- Remnants of Hurricane Ida brought 8.44 inches of total rain at Newark in 2021, and the National Hurricane Center reports major flooding across portions of northern New Jersey.
- The National Hurricane Center reports that along the coast during Sandy, storm-tide inundations in Union and Hudson Counties were 3 to 7 feet above ground.
- FEMA’s Hurricane Sandy major disaster declaration for New Jersey, dated October 30, 2012, included Union County among the first eight counties designated for Individual Assistance.
- After the remnants of Hurricane Ida in September 2021, FEMA designated Union County for both Individual Assistance and Public Assistance under disaster 4614.
Insurance Claims We Handle in Elizabeth
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Elizabeth.
Flood Damage
Storm surge and flood losses in Elizabeth, 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 Elizabeth 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 Elizabeth businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Elizabeth 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 Elizabeth rental owners.
Not sure which claim fits?
Call us 24/7. New Jersey (908) 437-3777. Florida (305) 783-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Elizabeth 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 Elizabeth Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Elizabeth, 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
Elizabeth 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. Elizabeth 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 Elizabeth. Si su hogar, negocio o propiedad en Elizabeth sufrió daños, nuestro equipo está disponible para ayudarle con su reclamo de seguro. Llámenos al 908-437-3777 (Nueva Jersey) o al 305-783-3777 (Florida).
Call Us Now: (908) 437-3777
In the News Near Elizabeth, NJ
Elizabeth Public Adjuster FAQs
Elizabeth 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 flood claims from storms like Sandy and Ida in Elizabeth?▶
Yes. Union County was designated for FEMA Individual Assistance after both Hurricane Sandy in 2012 and the remnants of Hurricane Ida in 2021, and Sandy put 4 to 6 feet of water across Newark Bay. Homeland documents flood, water and wind damage and handles the claim for you; call our local line 24/7 at (908) 437-3777.
Does Homeland handle storm, flood and nor’easter claims in Elizabeth?▶
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 Union Township, Linden, Plainfield, and Westfield too?▶
Yes. Homeland represents property owners throughout Union County, not just Elizabeth itself, including Union Township, Linden, Plainfield, and Westfield.
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 Elizabeth 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.
I need a really good public adjuster in Elizabeth. How do I pick one?▶
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 Elizabeth.
Who will personally handle my claim?▶
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.
How much 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 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 Elizabeth and look at the damage?▶
Yes. A licensed Homeland public adjuster comes to your property in Elizabeth and anywhere in New Jersey, including Newark and Jersey City, so you don’t need to visit an office. Call (908) 437-3777, 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 present the full claim. Read Insurance denied or lowballed your claim? Every option, compared.
Someone told me about Homeland. Are they any good?▶
Don’t take our word for it; check us. Every Homeland license is listed under Verify Homeland: firm license 3003982360 in New Jersey, named licensed adjusters, BBB Accredited Business with an A+ rating, serving property owners since 2006. Read the results and reviews, and ask us who will handle your claim before you sign.
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.
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 Elizabeth: burst pipes, AC leaks, roof leaks and flooding. We document the damage, check which policy applies and handle the claim for you. Call (908) 437-3777, 24/7.
By Yeni Martinez
By Nelson Avila
Storm history near Elizabeth
Since 1851, 20 tropical storms and hurricanes have passed within 50 miles of Elizabeth, 3 of them hurricanes at their closest point, plus 14 tropical depressions and post-tropical storms. The strongest at its closest point was Gloria (1985), a Category 1 hurricane 45 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 30 miles from Elizabeth, with winds near 45 mph.
Irene · 2011
At its closest point on August 28, 2011, Irene was a tropical storm about 11 miles from Elizabeth, with winds near 65 mph.
Gloria · 1985
At its closest point on September 27, 1985, Gloria was a Category 1 hurricane about 45 miles from Elizabeth, with winds near 85 mph.
Belle · 1976
At its closest point on August 10, 1976, Belle was a Category 1 hurricane about 46 miles from Elizabeth, with winds near 75 mph.
Unnamed hurricane · 1893
At its closest point on August 24, 1893, Unnamed hurricane was a Category 1 hurricane about 16 miles from Elizabeth, with winds near 85 mph.
All 34 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2021 | Ida | Post-tropical storm | 30 mi | 45 mph |
| 2020 | Fay | Tropical depression | 5 mi | 40 mph |
| 2011 | Irene | Tropical storm | 11 mi | 65 mph |
| 2008 | Hanna | Tropical storm | 24 mi | 50 mph |
| 2000 | Gordon | Post-tropical storm | 40 mi | 30 mph |
| 1999 | Floyd | Tropical storm | 35 mi | 60 mph |
| 1996 | Bertha | Tropical storm | 13 mi | 70 mph |
| 1988 | Chris | Post-tropical storm | 14 mi | 25 mph |
| 1985 | Gloria | Category 1 hurricane | 45 mi | 85 mph |
| 1976 | Belle | Category 1 hurricane | 46 mi | 75 mph |
| 1972 | Agnes | Post-tropical storm | 30 mi | 60 mph |
| 1971 | Doria | Tropical storm | 10 mi | 60 mph |
| 1968 | Unnamed storm | Tropical storm | 47 mi | 65 mph |
| 1968 | Candy | Post-tropical storm | 34 mi | 30 mph |
| 1961 | Unnamed storm | Tropical storm | 43 mi | 60 mph |
| 1960 | Brenda | Tropical storm | 24 mi | 60 mph |
| 1955 | Diane | Tropical storm | 9 mi | 45 mph |
| 1952 | Able | Tropical storm | 35 mi | 55 mph |
| 1945 | Unnamed storm | Post-tropical storm | 15 mi | 35 mph |
| 1934 | Unnamed storm | Post-tropical storm | 24 mi | 45 mph |
| 1924 | Unnamed storm | Post-tropical storm | 10 mi | 70 mph |
| 1915 | Unnamed storm | Post-tropical storm | 17 mi | 60 mph |
| 1903 | Unnamed storm | Tropical storm | 49 mi | 65 mph |
| 1900 | Unnamed storm | Post-tropical storm | 36 mi | 40 mph |
| 1899 | Unnamed storm | Post-tropical storm | 48 mi | 55 mph |
| 1893 | Unnamed storm | Tropical storm | 46 mi | 65 mph |
| 1893 | Unnamed hurricane | Category 1 hurricane | 16 mi | 85 mph |
| 1888 | Unnamed storm | Post-tropical storm | 37 mi | 40 mph |
| 1888 | Unnamed storm | Tropical storm | 38 mi | 45 mph |
| 1874 | Unnamed storm | Tropical storm | 16 mi | 65 mph |
| 1872 | Unnamed storm | Tropical storm | 19 mi | 45 mph |
| 1866 | Unnamed storm | Post-tropical storm | 8 mi | 60 mph |
| 1863 | Unnamed storm | Tropical storm | 9 mi | 50 mph |
| 1861 | Unnamed storm | Tropical storm | 21 mi | 65 mph |
Federal disaster declarations covering Union County
Since 1968, FEMA has issued 24 federal declarations covering Union 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)
- March 14, 2016 · Severe Winter Storm and Snowstorm · Major disaster (DR-4264)
- October 30, 2012 · Hurricane Sandy · Major disaster (DR-4086)
- October 28, 2012 · Hurricane Sandy · Emergency (EM-3354)
- November 30, 2011 · Severe Storm · Major disaster (DR-4048)
- August 31, 2011 · Hurricane Irene · Major disaster (DR-4021)
- August 27, 2011 · Hurricane Irene · Emergency (EM-3332)
All 24 declarations
- February 4, 2011 · Severe Winter Storm and Snowstorm · Major disaster (DR-1954)
- April 2, 2010 · Severe Storms and Flooding · Major disaster (DR-1897)
- 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 18, 1999 · Hurricane Floyd Major Disaster Declarations · Major disaster (DR-1295)
- September 17, 1999 · Hurricane Floyd Emergency Declarations · Emergency (EM-3148)
- November 19, 1996 · Severe Storms and Flooding · Major disaster (DR-1145)
- 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)
- July 23, 1975 · Heavy Rains, High Winds, Hail & Tornadoes · Major disaster (DR-477)
- August 7, 1973 · Severe Storms & Flooding · Major disaster (DR-402)
- September 4, 1971 · Heavy Rains & Flooding · Major disaster (DR-310)
- June 18, 1968 · Heavy Rains & Flooding · Major disaster (DR-245)
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.
Elizabeth Public Adjusters
Homeland serves Elizabeth property owners, available 24/7 by phone at (908) 437-3777 (New Jersey) and (305) 783-3777 (Florida). We handle claims across all of Florida and New Jersey, including nearby Union County communities such as Linden, Rahway, Plainfield, Union, Roselle and Hillside.
Elizabeth resources after a property loss
The offices a Elizabeth 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 Union 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?