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 Key Biscayne: Yes. Wherever you are in Key Biscayne, 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.
Experienced Public Adjusters Serving Key Biscayne Property Owners
Comparing adjusters? Use our 10-point test for the best public adjuster in Miami-Dade County, with local storm and flood facts.
Request A Free Claim Evaluation
Key Biscayne (Miami-Dade County) Storm and Claim History
- Hurricane Andrew struck Key Biscayne on August 24, 1992. Large trees fell across the island, blocking the main bridge linking Key Biscayne to Virginia Key and mainland Miami, and the island's condominiums and hotels suffered extensive wind and water damage, especially on higher floors.
- Hurricane Irma in September 2017 pushed sustained winds in southern Key Biscayne that the National Weather Service estimated may have reached hurricane force, around 75 mph; a monitoring station at Crandon Park recorded sustained winds of 55 mph with gusts to 75 mph.
- Irma's Atlantic-facing storm surge brought 2 to 3 feet of inundation to Key Biscayne's oceanfront, generally confined to the immediate beachfront, while the Biscayne Bay side of Miami-Dade saw 3 to 5 feet of average surge.
- During Hurricane Wilma on October 24, 2005, the Fowey Rocks station about 8 miles southeast of Key Biscayne recorded a peak gust of 123 mph (measured 145 feet above the water), according to the National Weather Service in Miami.
- Hurricane Nicole brought storm surge near 2 feet along the Miami-Dade coast in November 2022, according to the National Weather Service in Miami.
- 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 Key Biscayne
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Key Biscayne.
Flood Damage
Storm surge and flood losses in Key Biscayne, 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 Key Biscayne homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Key Biscayne businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Key Biscayne 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. Key Biscayne 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 Key Biscayne Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Key Biscayne, 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
Key Biscayne 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. Key Biscayne 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 Key Biscayne. Llámenos al 305-783-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (305) 783-3777
In the News Near Key Biscayne, FL
Key Biscayne Public Adjuster FAQs
Key Biscayne 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 wind and water damage claims for Key Biscayne condos?▶
Yes. Key Biscayne’s condominiums and hotels have taken wind and water damage on higher floors in storms like Andrew, and the island sees surge on its oceanfront. Homeland documents the damage for unit owners and associations and handles the claim; call 24/7 at (305) 783-3777.
Does Homeland handle hurricane and storm claims in Key Biscayne?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Key Biscayne is in Miami-Dade County, within Florida’s hurricane-prone coastal region, and we help Key Biscayne property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
Who is the best public adjuster in Key Biscayne?▶
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 Key Biscayne.
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 Key Biscayne?▶
Yes. A licensed Homeland public adjuster comes to your property in Key Biscayne, and anywhere in Miami-Dade County, including Coral Gables and Miami. 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.
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.
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 Key Biscayne: burst pipes, AC leaks, roof leaks and flooding. We document the damage, check which policy applies and handle the claim for you. Call (305) 783-3777, 24/7.
By Nelson Avila
Storm history near Key Biscayne
Since 1851, 53 tropical storms and hurricanes have passed within 50 miles of Key Biscayne, 27 of them hurricanes at their closest point, plus 17 tropical depressions and post-tropical storms. The strongest at its closest point was Andrew (1992), a Category 5 hurricane 13 miles away. Scroll to follow the storms that shaped the area.
Bonnie · 2010
At its closest point on July 23, 2010, Bonnie was a tropical storm about 19 miles from Key Biscayne, with winds near 40 mph.
Katrina · 2005
At its closest point on August 26, 2005, Katrina was a Category 1 hurricane about 17 miles from Key Biscayne, with winds near 80 mph.
Irene · 1999
At its closest point on October 15, 1999, Irene was a Category 1 hurricane about 37 miles from Key Biscayne, with winds near 75 mph.
Andrew · 1992
At its closest point on August 24, 1992, Andrew was a Category 5 hurricane about 13 miles from Key Biscayne, with winds near 165 mph.
Unnamed hurricane · 1926
At its closest point on September 18, 1926, Unnamed hurricane was a Category 4 hurricane about 10 miles from Key Biscayne, with winds near 145 mph.
All 70 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2020 | Sally | Tropical depression | 7 mi | 35 mph |
| 2010 | Bonnie | Tropical storm | 19 mi | 40 mph |
| 2006 | Ernesto | Tropical storm | 44 mi | 45 mph |
| 2005 | Katrina | Category 1 hurricane | 17 mi | 80 mph |
| 2004 | Ivan | Post-tropical storm | 20 mi | 30 mph |
| 1999 | Irene | Category 1 hurricane | 37 mi | 75 mph |
| 1999 | Harvey | Tropical storm | 44 mi | 55 mph |
| 1995 | Jerry | Tropical depression | 44 mi | 40 mph |
| 1992 | Andrew | Category 5 hurricane | 13 mi | 165 mph |
| 1991 | Fabian | Tropical storm | 40 mi | 45 mph |
| 1988 | Unnamed storm | Tropical depression | 49 mi | 25 mph |
| 1987 | Floyd | Tropical storm | 31 mi | 70 mph |
| 1981 | Unnamed storm | Tropical depression | 4 mi | 30 mph |
| 1979 | David | Category 2 hurricane | 49 mi | 95 mph |
| 1976 | Dottie | Tropical storm | 39 mi | 40 mph |
| 1974 | Unnamed storm | Tropical storm | 42 mi | 60 mph |
| 1972 | Dawn | Tropical depression | 22 mi | 35 mph |
| 1970 | Felice | Tropical depression | 49 mi | 30 mph |
| 1969 | Gerda | Tropical depression | 44 mi | 30 mph |
| 1968 | Unnamed storm | Tropical depression | 26 mi | 35 mph |
| 1968 | Dolly | Tropical depression | 18 mi | 35 mph |
| 1966 | Inez | Category 1 hurricane | 41 mi | 90 mph |
| 1965 | Betsy | Category 3 hurricane | 45 mi | 115 mph |
| 1964 | Cleo | Category 2 hurricane | 6 mi | 110 mph |
| 1962 | Alma | Tropical depression | 28 mi | 30 mph |
| 1958 | Unnamed storm | Tropical depression | 21 mi | 30 mph |
| 1956 | Unnamed storm | Tropical storm | 28 mi | 65 mph |
| 1954 | Unnamed storm | Tropical depression | 40 mi | 30 mph |
| 1953 | Unnamed storm | Tropical storm | 38 mi | 40 mph |
| 1952 | Unnamed storm | Tropical storm | 44 mi | 65 mph |
| 1950 | King | Category 4 hurricane | 2 mi | 130 mph |
| 1948 | Unnamed hurricane | Category 1 hurricane | 7 mi | 95 mph |
| 1947 | Unnamed hurricane | Category 1 hurricane | 20 mi | 80 mph |
| 1947 | Unnamed hurricane | Category 4 hurricane | 28 mi | 130 mph |
| 1946 | Unnamed storm | Tropical storm | 45 mi | 45 mph |
| 1945 | Unnamed hurricane | Category 4 hurricane | 24 mi | 130 mph |
| 1941 | Unnamed hurricane | Category 2 hurricane | 13 mi | 100 mph |
| 1936 | Unnamed storm | Tropical storm | 28 mi | 60 mph |
| 1936 | Unnamed storm | Tropical storm | 12 mi | 45 mph |
| 1935 | Unnamed hurricane | Category 2 hurricane | 14 mi | 95 mph |
| 1935 | Unnamed hurricane | Category 4 hurricane | 48 mi | 140 mph |
| 1932 | Unnamed storm | Tropical storm | 28 mi | 65 mph |
| 1926 | Unnamed hurricane | Category 3 hurricane | 25 mi | 125 mph |
| 1926 | Unnamed hurricane | Category 4 hurricane | 10 mi | 145 mph |
| 1924 | Unnamed storm | Tropical storm | 21 mi | 70 mph |
| 1916 | Unnamed storm | Post-tropical storm | 13 mi | 60 mph |
| 1916 | Unnamed storm | Tropical storm | 10 mi | 45 mph |
| 1909 | Unnamed hurricane | Category 2 hurricane | 27 mi | 110 mph |
| 1909 | Unnamed storm | Tropical storm | 49 mi | 50 mph |
| 1909 | Unnamed storm | Tropical storm | 17 mi | 50 mph |
| 1907 | Unnamed storm | Tropical depression | 16 mi | 35 mph |
| 1906 | Unnamed hurricane | Category 3 hurricane | 10 mi | 115 mph |
| 1906 | Unnamed hurricane | Category 1 hurricane | 8 mi | 85 mph |
| 1904 | Unnamed storm | Tropical depression | 4 mi | 35 mph |
| 1903 | Unnamed hurricane | Category 1 hurricane | 28 mi | 85 mph |
| 1901 | Unnamed storm | Tropical storm | 40 mi | 45 mph |
| 1898 | Unnamed storm | Tropical storm | 45 mi | 70 mph |
| 1895 | Unnamed storm | Tropical depression | 41 mi | 35 mph |
| 1892 | Unnamed storm | Tropical storm | 33 mi | 40 mph |
| 1891 | Unnamed hurricane | Category 1 hurricane | 20 mi | 80 mph |
| 1889 | Unnamed storm | Tropical storm | 33 mi | 45 mph |
| 1888 | Unnamed storm | Tropical storm | 5 mi | 40 mph |
| 1888 | Unnamed hurricane | Category 3 hurricane | 9 mi | 125 mph |
| 1885 | Unnamed hurricane | Category 1 hurricane | 49 mi | 80 mph |
| 1878 | Unnamed hurricane | Category 1 hurricane | 10 mi | 80 mph |
| 1876 | Unnamed storm | Tropical storm | 31 mi | 70 mph |
| 1870 | Unnamed hurricane | Category 2 hurricane | 40 mi | 105 mph |
| 1865 | Unnamed hurricane | Category 2 hurricane | 35 mi | 100 mph |
| 1863 | Unnamed storm | Tropical storm | 22 mi | 55 mph |
| 1859 | Unnamed storm | Tropical storm | 47 mi | 70 mph |
Federal disaster declarations covering Miami-Dade County
Since 1965, FEMA has issued 39 federal declarations covering Miami-Dade 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)
- July 4, 2021 · Tropical Storm Elsa · Emergency (EM-3561)
- August 1, 2020 · Hurricane Isaias · Emergency (EM-3533)
All 39 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 6, 2016 · Hurricane Matthew · Emergency (EM-3377)
- 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)
- September 26, 2004 · Hurricane Jeanne · Major disaster (DR-1561)
- September 4, 2004 · Hurricane Frances · Major disaster (DR-1545)
- August 13, 2004 · Tropical Storm Bonnie and Hurricane Charley · Major disaster (DR-1539)
- April 25, 2003 · Severe Storms and Tornadoes · Major disaster (DR-1460)
- 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)
- September 14, 1999 · Hurricane Floyd Emergency Declarations · Emergency (EM-3143)
- April 27, 1999 · Fl-Fires 04/15/99 · Emergency (EM-3139)
- April 18, 1999 · Fl-Fires 04/13/99 · Fire management (FM-2256)
- 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)
- March 18, 1985 · Severe Freeze · Major disaster (DR-732)
- January 31, 1977 · Severe Winter Weather · Major disaster (DR-526)
- March 15, 1971 · Freeze · Major disaster (DR-304)
- 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.
Key Biscayne Public Adjusters
Homeland serves Key Biscayne 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.
Key Biscayne resources after a property loss
The offices a Key Biscayne 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
Talk to a Public Adjuster
How Can We Help You Recover, or Prepare?