Experienced Public Adjusters Serving Homestead Property Owners
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Homestead Hurricane and Claim History
- Hurricane Andrew made landfall near Homestead Air Force Base at 5:05 a.m. EDT on August 24, 1992. The National Hurricane Center reports that its impact was extreme from the Kendall district south through Homestead and Florida City.
- The National Hurricane Center reports that in Homestead, more than 99% of mobile homes (1,167 of 1,176) were completely destroyed by Andrew.
- During Hurricane Irma in 2017, the National Weather Service reported 3 to 5 feet of average storm-surge inundation along the Biscayne Bay shoreline from Homestead to Downtown Miami.
- The National Weather Service in Miami reported in August 1992 that Hurricane Andrew destroyed 63,000 homes in South Dade County, leaving an estimated 175,000 to 250,000 people homeless.
- The City of Homestead notes that all properties in the city are vulnerable to flooding, and that a building in a Special Flood Hazard Area has a 26 percent chance of flooding over a 30-year mortgage.
- 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 Homestead
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Homestead.
Flood Damage
Storm surge and flood losses in Homestead, 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 Homestead homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Homestead businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Homestead 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. Homestead 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 Homestead Claims Team Working for Policyholders
Since 2007, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Homestead, 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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Homestead 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. Homestead 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 Homestead. Llámenos al 305-783-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (305) 783-3777
In the News Near Homestead, FL
Homestead Public Adjuster FAQs
Homestead 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 flood claims in Homestead?▶
Yes. The City of Homestead says every property in the city is vulnerable to flooding, and standard homeowners policies don’t cover flood. Homeland documents the damage and works under both your flood and homeowners policies where they apply; call 24/7 at (305) 783-3777.
Does Homeland handle hurricane claims in Homestead?▶
Yes. Hurricane and wind claims are among the losses Homeland handles. Homestead has lived through some of the most destructive hurricane damage in Florida history.
How do I find a public adjuster near me after property damage in Homestead?▶
Call Homeland directly for a free claim review. We serve Homestead, 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
Homestead Public Adjusters
Homeland serves Homestead 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.
Homestead resources after a property loss
The offices a Homestead 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