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 Indian River County: Yes — every city in Indian River County. A licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (772) 807-3777, 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 Vero Beach · Public adjuster in Port St Lucie · All Florida cities and counties
Experienced Public Adjusters Serving Indian River County Property Owners
Request A Free Claim Evaluation
Indian River County Storm History
- Hurricane Nicole, a rare November hurricane, made landfall as a Category 1 storm on North Hutchinson Island just south of Vero Beach in the early hours of November 10, 2022, with maximum sustained winds of 75 mph.
- The Treasure Coast's top wind gust during Nicole, 66 mph, was recorded at Sebastian Inlet in Indian River County.
- Florida’s Office of Insurance Regulation counted 6,405 insurance claims in Indian River County from Hurricane Irma in 2017, as of its November 9, 2020 data.
- During Hurricane Milton in October 2024, a weather station at the Merrill Barber Bridge in Indian River County recorded a 56-knot gust (about 64 mph), according to the National Weather Service in Melbourne.
- Average homeowners insurance premium in Indian River County: $4,334 a year with wind coverage, $2,744 without; condominium unit owners $2,086 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 Indian River County
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Indian River County.
Flood Damage
Storm surge and flood losses in Indian River County, 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 Indian River County homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Indian River County businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Indian River County 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 (772) 807-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Indian River County 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 Indian River County Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Indian River County, 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
Indian River County 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. Indian River County 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 Indian River County. Llámenos al 772-807-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (772) 807-3777
Cities We Serve in Indian River County
Homeland’s Indian River County public adjusters also have local pages for Vero Beach, FL.
What If an Aircraft Hit Your Property in Indian River County?
In the News Near Indian River County, FL
Indian River County Public Adjuster FAQs
Indian River County 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 from Nicole, Milton and other storms in Indian River County?▶
Yes. Indian River County has been hit by Hurricane Nicole’s November 2022 landfall just south of Vero Beach and by Hurricane Milton’s winds in October 2024. Homeland documents the wind and water damage and handles the claim for you; call our local line 24/7 at (772) 807-3777.
Does Homeland handle hurricane claims in Indian River County?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Indian River County took a direct hit from Hurricane Nicole in November 2022, and we help Indian River County property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
Does Homeland serve Sebastian and Fellsmere too?▶
Yes. Homeland represents property owners throughout Indian River County, including Sebastian and Fellsmere.
Who’s the best public adjuster you can recommend in Indian River County?▶
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 Indian River County.
Who will personally handle my claim?▶
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.
How much 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 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 Indian River County and look at the damage?▶
Yes. A licensed Homeland public adjuster comes to your property anywhere in Indian River County, including Vero Beach. Our office is in Miami Lakes (visits by appointment), but you don’t need to go there. Call (772) 807-3777, 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 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 (772) 807-3777.
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: Florida firm license W818638, 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.
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 Indian River County
Since 1851, 52 tropical storms and hurricanes have passed within 50 miles of Indian River County, 22 of them hurricanes at their closest point, plus 20 tropical depressions and post-tropical storms. The strongest at its closest point was Matthew (2016), a Category 3 hurricane 49 miles away. Scroll to follow the storms that shaped the area.
Milton · 2024
At its closest point on October 10, 2024, Milton was a Category 1 hurricane about 46 miles from Indian River County, with winds near 80 mph.
Nicole · 2022
At its closest point on November 10, 2022, Nicole was a tropical storm about 2 miles from Indian River County, with winds near 70 mph.
Ian · 2022
At its closest point on September 29, 2022, Ian was a Category 1 hurricane about 27 miles from Indian River County, with winds near 75 mph.
Matthew · 2016
At its closest point on October 7, 2016, Matthew was a Category 3 hurricane about 49 miles from Indian River County, with winds near 125 mph.
Unnamed hurricane · 1928
At its closest point on September 17, 1928, Unnamed hurricane was a Category 3 hurricane about 46 miles from Indian River County, with winds near 120 mph.
All 72 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2024 | Milton | Category 1 hurricane | 46 mi | 80 mph |
| 2022 | Nicole | Tropical storm | 2 mi | 70 mph |
| 2022 | Ian | Category 1 hurricane | 27 mi | 75 mph |
| 2019 | Three | Tropical depression | 47 mi | 35 mph |
| 2017 | Emily | Tropical depression | 3 mi | 35 mph |
| 2016 | Matthew | Category 3 hurricane | 49 mi | 125 mph |
| 2016 | Julia | Tropical depression | 5 mi | 40 mph |
| 2008 | Fay | Tropical storm | 11 mi | 60 mph |
| 2006 | Ernesto | Tropical storm | 12 mi | 40 mph |
| 2005 | Tammy | Tropical storm | 38 mi | 45 mph |
| 2004 | Jeanne | Category 2 hurricane | 26 mi | 105 mph |
| 2004 | Frances | Category 1 hurricane | 22 mi | 90 mph |
| 1999 | Irene | Category 1 hurricane | 28 mi | 75 mph |
| 1995 | Jerry | Tropical storm | 20 mi | 40 mph |
| 1995 | Erin | Category 1 hurricane | 7 mi | 80 mph |
| 1994 | Gordon | Tropical storm | 4 mi | 60 mph |
| 1988 | Keith | Tropical storm | 38 mi | 40 mph |
| 1988 | Chris | Tropical storm | 41 mi | 45 mph |
| 1985 | Bob | Tropical storm | 14 mi | 50 mph |
| 1984 | Unnamed storm | Tropical depression | 38 mi | 30 mph |
| 1984 | Isidore | Tropical storm | 22 mi | 50 mph |
| 1983 | Barry | Tropical depression | 14 mi | 35 mph |
| 1981 | Dennis | Tropical storm | 25 mi | 40 mph |
| 1981 | Unnamed storm | Tropical depression | 8 mi | 30 mph |
| 1979 | David | Category 2 hurricane | 11 mi | 100 mph |
| 1976 | Dottie | Tropical storm | 33 mi | 45 mph |
| 1974 | Unnamed storm | Tropical storm | 39 mi | 60 mph |
| 1971 | Unnamed storm | Tropical depression | 33 mi | 30 mph |
| 1969 | Jenny | Tropical depression | 31 mi | 35 mph |
| 1969 | Gerda | Tropical depression | 4 mi | 30 mph |
| 1968 | Dolly | Tropical depression | 4 mi | 40 mph |
| 1968 | Brenda | Tropical depression | 38 mi | 35 mph |
| 1968 | Abby | Tropical storm | 34 mi | 60 mph |
| 1964 | Cleo | Tropical storm | 4 mi | 55 mph |
| 1962 | Alma | Tropical depression | 19 mi | 35 mph |
| 1960 | Florence | Tropical storm | 13 mi | 55 mph |
| 1959 | Judith | Tropical storm | 49 mi | 50 mph |
| 1956 | Unnamed storm | Tropical storm | 8 mi | 60 mph |
| 1954 | Unnamed storm | Tropical depression | 29 mi | 35 mph |
| 1953 | Hazel | Tropical storm | 6 mi | 70 mph |
| 1953 | Unnamed storm | Tropical depression | 24 mi | 40 mph |
| 1951 | How | Tropical storm | 20 mi | 55 mph |
| 1950 | King | Category 1 hurricane | 37 mi | 90 mph |
| 1949 | Unnamed hurricane | Category 2 hurricane | 45 mi | 105 mph |
| 1948 | Unnamed hurricane | Category 1 hurricane | 40 mi | 90 mph |
| 1946 | Unnamed storm | Tropical depression | 29 mi | 35 mph |
| 1939 | Unnamed storm | Tropical storm | 21 mi | 70 mph |
| 1933 | Unnamed hurricane | Category 2 hurricane | 33 mi | 105 mph |
| 1933 | Unnamed storm | Tropical storm | 42 mi | 60 mph |
| 1928 | Unnamed hurricane | Category 3 hurricane | 46 mi | 120 mph |
| 1928 | Unnamed hurricane | Category 1 hurricane | 3 mi | 75 mph |
| 1926 | Unnamed hurricane | Category 2 hurricane | 31 mi | 105 mph |
| 1925 | Unnamed storm | Post-tropical storm | 13 mi | 60 mph |
| 1921 | Unnamed storm | Tropical depression | 24 mi | 40 mph |
| 1916 | Unnamed storm | Tropical depression | 13 mi | 35 mph |
| 1915 | Unnamed storm | Tropical storm | 49 mi | 70 mph |
| 1909 | Unnamed storm | Tropical storm | 42 mi | 40 mph |
| 1898 | Unnamed storm | Tropical depression | 29 mi | 35 mph |
| 1896 | Unnamed storm | Tropical storm | 17 mi | 45 mph |
| 1892 | Unnamed storm | Tropical storm | 25 mi | 45 mph |
| 1891 | Unnamed storm | Post-tropical storm | 29 mi | 35 mph |
| 1891 | Unnamed storm | Tropical storm | 39 mi | 45 mph |
| 1889 | Unnamed storm | Tropical storm | 38 mi | 45 mph |
| 1888 | Unnamed storm | Tropical storm | 46 mi | 45 mph |
| 1885 | Unnamed hurricane | Category 1 hurricane | 27 mi | 85 mph |
| 1880 | Unnamed hurricane | Category 2 hurricane | 33 mi | 105 mph |
| 1876 | Unnamed hurricane | Category 1 hurricane | 11 mi | 90 mph |
| 1873 | Unnamed hurricane | Category 2 hurricane | 8 mi | 95 mph |
| 1871 | Unnamed hurricane | Category 2 hurricane | 4 mi | 100 mph |
| 1871 | Unnamed hurricane | Category 2 hurricane | 25 mi | 100 mph |
| 1870 | Unnamed hurricane | Category 1 hurricane | 27 mi | 75 mph |
| 1861 | Unnamed storm | Tropical storm | 15 mi | 60 mph |
Federal disaster declarations covering Indian River County
Since 1977, FEMA has issued 33 federal declarations covering Indian River 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)
- August 1, 2020 · Hurricane Isaias · Emergency (EM-3533)
- October 21, 2019 · Hurricane Dorian · Major disaster (DR-4468)
All 33 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 8, 2016 · Hurricane Matthew · Major disaster (DR-4283)
- October 6, 2016 · Hurricane Matthew · Emergency (EM-3377)
- August 21, 2008 · Tropical Storm Fay · Emergency (EM-3288)
- June 27, 2007 · Okeechobee Fire Complex · Fire management (FM-2696)
- October 24, 2005 · Hurricane Wilma · Major disaster (DR-1609)
- September 5, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3220)
- September 26, 2004 · Hurricane Jeanne · Major disaster (DR-1561)
- 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)
- February 19, 2001 · Fl - Okeechobee Complex Fire · Fire management (FM-2354)
- February 5, 2001 · Severe Freeze · Major disaster (DR-1359)
- October 20, 1999 · Fl-Hurricane Irene-Dr-Req · Major disaster (DR-1306)
- October 15, 1999 · Tropical Storm Irene - Florida · Emergency (EM-3150)
- September 22, 1999 · Hurricane Floyd Major Disaster Declarations · Major disaster (DR-1300)
- September 14, 1999 · Hurricane Floyd Emergency Declarations · Emergency (EM-3143)
- April 27, 1999 · Fl-Fires 04/15/99 · Emergency (EM-3139)
- April 15, 1999 · Okeechobee Fire Complex · Fire management (FM-2251)
- June 18, 1998 · Extreme Fire Hazard · Major disaster (DR-1223)
- 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)
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.
Indian River County Public Adjusters
Homeland serves Indian River County property owners, available 24/7 by phone at (772) 807-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey, including Vero Beach and Sebastian.
Indian River County resources after a property loss
The offices a Indian River County 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 Indian River 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?