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 the Florida Keys: Yes. Wherever you are in the Florida Keys, 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.
Nearby areas we serve: Public adjuster in Hialeah · Public adjuster in Homestead · All Florida cities and counties
Experienced Public Adjusters Serving Florida Keys Property Owners
Comparing adjusters? Use our 10-point test for the best public adjuster in Monroe County and the Florida Keys, with local storm and flood facts.
Request A Free Claim Evaluation
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 prep and advocacy 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 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 Florida Keys Claims Team Working for Policyholders
Since 2006, 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
W818638
3003982360
Member
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.
Who’s the best public adjuster you can recommend in the Florida Keys?▶
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 the Florida Keys.
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 the Florida Keys?▶
Yes. A licensed Homeland public adjuster comes to your property in the Florida Keys, and anywhere in Monroe County. 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.
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.
I need a good public adjuster for damage at my house in the Florida Keys. 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 the Florida Keys, 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 Florida Keys
Since 1851, 44 tropical storms and hurricanes have passed within 50 miles of Florida Keys, 23 of them hurricanes at their closest point, plus 9 tropical depressions and post-tropical storms. The strongest at its closest point was Unnamed hurricane (1935), a Category 5 hurricane 14 miles away. Scroll to follow the storms that shaped the area.
Irma · 2017
At its closest point on September 10, 2017, Irma was a Category 4 hurricane about 30 miles from Florida Keys, with winds near 130 mph.
Katrina · 2005
At its closest point on August 26, 2005, Katrina was a Category 1 hurricane about 49 miles from Florida Keys, with winds near 75 mph.
Irene · 1999
At its closest point on October 15, 1999, Irene was a Category 1 hurricane about 27 miles from Florida Keys, with winds near 75 mph.
Donna · 1960
At its closest point on September 10, 1960, Donna was a Category 4 hurricane about 9 miles from Florida Keys, with winds near 145 mph.
Unnamed hurricane · 1935
At its closest point on September 3, 1935, Unnamed hurricane was a Category 5 hurricane about 14 miles from Florida Keys, with winds near 185 mph.
All 53 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2020 | Eta | Tropical storm | 15 mi | 65 mph |
| 2018 | Gordon | Tropical storm | 32 mi | 50 mph |
| 2017 | Irma | Category 4 hurricane | 30 mi | 130 mph |
| 2006 | Ernesto | Tropical storm | 29 mi | 45 mph |
| 2005 | Katrina | Category 1 hurricane | 49 mi | 75 mph |
| 1999 | Irene | Category 1 hurricane | 27 mi | 75 mph |
| 1998 | Georges | Category 2 hurricane | 48 mi | 105 mph |
| 1994 | Gordon | Tropical storm | 35 mi | 50 mph |
| 1991 | Fabian | Tropical storm | 37 mi | 45 mph |
| 1988 | Unnamed storm | Tropical depression | 35 mi | 25 mph |
| 1987 | Floyd | Category 1 hurricane | 10 mi | 75 mph |
| 1987 | Unnamed storm | Tropical depression | 16 mi | 25 mph |
| 1981 | Dennis | Tropical storm | 17 mi | 40 mph |
| 1976 | Dottie | Tropical storm | 44 mi | 40 mph |
| 1970 | Greta | Tropical storm | 26 mi | 40 mph |
| 1970 | Felice | Tropical depression | 5 mi | 35 mph |
| 1969 | Unnamed storm | Tropical depression | 47 mi | 30 mph |
| 1968 | Unnamed storm | Tropical depression | 48 mi | 35 mph |
| 1968 | Brenda | Tropical depression | 25 mi | 30 mph |
| 1966 | Inez | Category 2 hurricane | 4 mi | 100 mph |
| 1965 | Betsy | Category 3 hurricane | 23 mi | 115 mph |
| 1960 | Florence | Tropical depression | 47 mi | 30 mph |
| 1960 | Donna | Category 4 hurricane | 9 mi | 145 mph |
| 1958 | Unnamed storm | Tropical depression | 38 mi | 30 mph |
| 1956 | Unnamed storm | Tropical storm | 33 mi | 60 mph |
| 1952 | Unnamed storm | Tropical storm | 43 mi | 55 mph |
| 1948 | Unnamed hurricane | Category 2 hurricane | 8 mi | 105 mph |
| 1948 | Unnamed hurricane | Category 3 hurricane | 29 mi | 120 mph |
| 1947 | Unnamed hurricane | Category 1 hurricane | 47 mi | 90 mph |
| 1935 | Unnamed hurricane | Category 5 hurricane | 14 mi | 185 mph |
| 1933 | Unnamed hurricane | Category 3 hurricane | 34 mi | 110 mph |
| 1929 | Unnamed hurricane | Category 3 hurricane | 25 mi | 110 mph |
| 1928 | Unnamed storm | Tropical storm | 22 mi | 70 mph |
| 1926 | Unnamed hurricane | Category 3 hurricane | 13 mi | 125 mph |
| 1919 | Unnamed hurricane | Category 4 hurricane | 46 mi | 145 mph |
| 1916 | Unnamed storm | Post-tropical storm | 26 mi | 60 mph |
| 1916 | Unnamed storm | Tropical storm | 7 mi | 40 mph |
| 1909 | Unnamed hurricane | Category 3 hurricane | 3 mi | 115 mph |
| 1906 | Unnamed hurricane | Category 3 hurricane | 3 mi | 120 mph |
| 1906 | Unnamed hurricane | Category 1 hurricane | 3 mi | 80 mph |
| 1899 | Unnamed storm | Tropical storm | 28 mi | 45 mph |
| 1897 | Unnamed storm | Tropical storm | 45 mi | 65 mph |
| 1895 | Unnamed storm | Tropical storm | 23 mi | 60 mph |
| 1891 | Unnamed storm | Tropical storm | 29 mi | 50 mph |
| 1889 | Unnamed storm | Tropical storm | 4 mi | 40 mph |
| 1888 | Unnamed storm | Tropical storm | 17 mi | 40 mph |
| 1881 | Unnamed storm | Tropical storm | 28 mi | 45 mph |
| 1878 | Unnamed hurricane | Category 1 hurricane | 16 mi | 80 mph |
| 1878 | Unnamed storm | Tropical storm | 7 mi | 70 mph |
| 1876 | Unnamed hurricane | Category 2 hurricane | 50 mi | 105 mph |
| 1871 | Unnamed storm | Tropical storm | 44 mi | 45 mph |
| 1870 | Unnamed hurricane | Category 2 hurricane | 15 mi | 105 mph |
| 1865 | Unnamed hurricane | Category 2 hurricane | 30 mi | 105 mph |
Federal disaster declarations covering Monroe County
Since 1965, FEMA has issued 44 federal declarations covering Monroe 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)
- September 29, 2022 · Hurricane Ian · Major disaster (DR-4673)
- September 24, 2022 · Tropical Storm Ian · Emergency (EM-3584)
All 44 declarations
- July 4, 2021 · Tropical Storm Elsa · Emergency (EM-3561)
- August 1, 2020 · Hurricane Isaias · Emergency (EM-3533)
- 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)
- October 18, 2012 · Hurricane Isaac · Major disaster (DR-4084)
- September 7, 2008 · Hurricane Ike · Emergency (EM-3293)
- 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 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)
- July 10, 2005 · Hurricane Dennis · Major disaster (DR-1595)
- 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)
- 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)
- April 27, 1999 · Fl-Fires 04/15/99 · Emergency (EM-3139)
- April 18, 1999 · Fl-Fires 04/13/99 · Fire management (FM-2256)
- November 6, 1998 · Tropical Storm Mitch · Major disaster (DR-1259)
- September 28, 1998 · Hurricane Georges · Major disaster (DR-1249)
- 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)
- January 31, 1977 · Severe Winter Weather · Major disaster (DR-526)
- June 23, 1972 · Tropical Storm Agnes · Major disaster (DR-337)
- 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.
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
Talk to a Public Adjuster
How Can We Help You Recover, or Prepare?