Experienced Public Adjusters Serving Florida Keys Property Owners
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Monroe County Storm and Claim History
- Hurricane Irma made landfall on Cudjoe Key in the Lower Keys on September 10, 2017, at 9:10 a.m. as a Category 4 hurricane with maximum sustained winds of 130 mph, according to the National Hurricane Center.
- FEMA Administrator Brock Long reported that an estimated 25% of homes in the Florida Keys were destroyed and 65% sustained major damage from Irma, in a preliminary damage assessment announced September 12, 2017.
- In Monroe County, 30,969 insurance claims were filed after Hurricane Irma, with 91.5% of those claims closed, according to Florida Office of Insurance Regulation data as of August 13, 2018.
- Monroe County, which covers the Florida Keys, was among the first nine Florida counties designated for FEMA Individual Assistance when the Hurricane Irma major disaster was declared on September 10, 2017 (FEMA-4337-DR).
- Monroe County was later added for Individual Assistance under the Hurricane Ian major disaster declaration of September 29, 2022 (FEMA-4673-DR).
- Average homeowners insurance premium in Monroe County: $7,863 a year with wind coverage, $1,871 without; condominium unit owners $3,474 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 Florida Keys
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Florida Keys.
Flood Damage
Storm surge and flood losses in Florida Keys, 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 Florida Keys homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Florida Keys businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Florida Keys 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 pre-loss membership and app for property owners. Florida Keys owners can understand their policy, keep records ready, prepare before storm season, and have a licensed Homeland public adjuster assigned to their membership. 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. Hiring Homeland is optional and requires a separate written agreement.
Discover The Adjuster Advantage™
A Florida Keys Claims Team Working for Policyholders
Since 2007, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Florida Keys, 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
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Florida Keys 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. Florida Keys 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 Florida Keys. Llámenos al 305-783-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (305) 783-3777
In the News Near Florida Keys, FL
Florida Keys Public Adjuster FAQs
Florida Keys 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 the Florida Keys?▶
Yes. The Keys take direct hurricane hits: Irma made landfall on Cudjoe Key in 2017 as a Category 4, and Monroe County owners filed 30,969 insurance claims afterward. Homeland documents wind and surge damage and handles the claim for you; call us 24/7 at (305) 783-3777.
Does Homeland handle hurricane and storm claims in Florida Keys?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Monroe County is within Florida’s hurricane-prone coastal region, and we help Florida Keys property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
How do I find a public adjuster near me after property damage in Florida Keys?▶
Call Homeland directly for a free claim review. We serve Florida Keys, available 24/7 by phone, and we handle claims across all of Florida and New Jersey.
Does it cost anything to hire Homeland?▶
Homeland’s fee is explained in your written agreement before you hire us, so you know the terms up front. We work on a no recovery, no fee basis.
By Nelson Avila
Florida Keys Public Adjusters
Homeland serves Florida Keys 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.
Florida Keys resources after a property loss
The offices a Florida Keys 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 Monroe County and state sources.
- Building permits and inspections
- Property records and assessed value
- Emergency management
- National Weather Service forecast office
- State insurance consumer help