Verify Homeland
Check us before you hire anyone. New Jersey public adjuster licenses are issued by the New Jersey Department of Banking and Insurance (DOBI).
- Serves Monmouth County: Yes — statewide in New Jersey. A licensed Homeland public adjuster comes to your property. Call (732) 517-3777.
- Homeland Public Adjusters Corporation: New Jersey public adjuster firm license 3003982360
- Yeni Martinez, President: New Jersey public adjuster license 3003714097
- Yisel Dieguez: Licensed public adjuster and Xactimate estimator, New Jersey 3003714335
- 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.
- English and Spanish. Office: 8004 NW 154th Street, Suite 609, Miami Lakes, FL 33016 (visits by appointment). New Jersey (732) 517-3777 · Florida (305) 783-3777, 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 state law sets. No Recovery, No Fee.
Experienced Public Adjusters Serving Monmouth County Property Owners
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Monmouth County Storm Facts
- During Superstorm Sandy (October 29, 2012), the highest water levels in New Jersey hit Monmouth and Middlesex counties along Raritan Bay, with surge reaching an estimated 4 to 9 feet.
- At Sandy Hook, a tide gauge recorded an 8.57-foot surge — breaking the previous record set by Hurricane Donna in 1960 by 2.87 feet — before its pier collapsed and the gauge stopped reporting. Keyport had a high-water mark of 7.9 feet, and the Belmar boardwalk was destroyed.
- Monmouth was one of the first eight New Jersey counties designated for FEMA Individual Assistance when the federal major disaster for Hurricane Sandy was declared on October 30, 2012.
- The remnants of Ida dropped 4.05 inches of rain on Middletown on September 1–2, 2021, the highest total recorded in Monmouth County, according to the Office of the New Jersey State Climatologist.
Insurance Claims We Handle in Monmouth County
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Monmouth County.
Flood Damage
Storm surge and flood losses in Monmouth 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 Monmouth County homes, condos and businesses.
Winter Storm & Roof Damage
Ice dam, snow-load roof collapse, and frozen pipe damage from winter storms in New Jersey.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Monmouth County businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Monmouth 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.
Landlords & Rental Properties
Building damage, loss of rents and tenant-caused damage claims for Monmouth County rental owners.
Not sure which claim fits?
Call us 24/7. New Jersey (732) 517-3777. Florida (305) 783-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Monmouth 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 Monmouth County Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Monmouth 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.
New Jersey Public Adjusting Standards & Resources
Homeland Public Adjusters is licensed as a public adjuster firm in New Jersey (firm license 3003982360). New Jersey insurers are required to follow the claim-handling timelines in N.J.A.C. 11:2-17, and policyholders can contact the New Jersey Department of Banking and Insurance with questions or complaints.
Meet Our TeamPublic Adjusters
W818638
3003982360
Member
Monmouth 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. Monmouth 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 Monmouth County. Si su hogar, negocio o propiedad en Monmouth County sufrió daños, nuestro equipo está disponible para ayudarle con su reclamo de seguro. Llámenos al 732-517-3777 (Nueva Jersey) o al 305-783-3777 (Florida).
Call Us Now: (732) 517-3777
Cities We Serve in Monmouth County
Homeland’s Monmouth County public adjusters also have local pages for Long Branch, NJ.
In the News Near Monmouth County, NJ
Monmouth County Public Adjuster FAQs
Monmouth County property owners often have questions about their rights, responsibilities and options during an insurance claim. Here are answers to common questions. Contact us for a free claim review.
Does Homeland handle storm surge and flood claims in Monmouth County?▶
Yes. Monmouth’s Raritan Bay and ocean shore took some of New Jersey’s highest water levels during Sandy, and heavy rain from storms like Ida floods inland areas too. Homeland documents the damage and handles the claim with your insurer; call 24/7 at (732) 517-3777.
Does Homeland handle storm and flood claims in Monmouth County?▶
Yes. Hurricane, nor’easter, wind and flood claims are among the losses Homeland handles in New Jersey. Monmouth County recorded some of the state's highest storm surge during Superstorm Sandy in 2012, and we help Monmouth County property owners document damage from storms, flooding and nor’easters, including claims under both NFIP and private flood policies.
How long does an insurance company have to respond to my claim in New Jersey?▶
New Jersey regulations require insurers to begin an investigation within 10 working days of notice of a claim, and set a 30-calendar-day period, running from receipt of a properly executed proof of loss, for first-party claims. If more time is needed, the insurer must explain why in writing, with updates every 45 days, unless a clear justification or other law provides otherwise.
Is Homeland a licensed public adjuster in New Jersey?▶
Yes. Homeland Public Adjusters Corporation holds New Jersey public adjuster firm license No. 3003982360 from the Department of Banking and Insurance. The insurance adjusters NJ carriers send to Monmouth County properties work for the insurer; as licensed public insurance adjusters, we work only for the policyholder. See what a New Jersey public adjuster license requires.
I need a really good public adjuster in Monmouth County. How do I pick one?▶
Judge every firm the same way: an active New Jersey public adjuster license, a named adjuster on your file, the fee in writing before you sign, and real results and reviews. Homeland: New Jersey firm license 3003982360, named licensed adjusters, serving property owners since 2006, and English and Spanish. A licensed adjuster comes to your property in Monmouth County.
Who will personally handle my claim?▶
A licensed Homeland public adjuster, named to you on the first call. In New Jersey that is Yeni Martinez, President (New Jersey public adjuster license 3003714097), or Yisel Dieguez, licensed public adjuster and Xactimate estimator (New Jersey 3003714335). Both are listed under Verify Homeland.
How much do you charge?▶
Homeland explains its fee in your written agreement before you sign, so you know it up front, along with your right to cancel. No recovery, no fee. How New Jersey regulates public adjuster fees: New Jersey fees.
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 Monmouth County and look at the damage?▶
Yes. A licensed Homeland public adjuster comes to your property in Monmouth County and anywhere in New Jersey, including Long Branch and Perth Amboy, so you don’t need to visit an office. Call (732) 517-3777, 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 present the full claim. Read Insurance denied or lowballed your claim? Every option, compared.
I need a good public adjuster for damage at my house in Monmouth County. Where do I start?▶
Call a licensed public adjuster before you sign anything or throw anything out. Homeland answers 24/7 at (732) 517-3777, and a licensed adjuster comes to your property in Monmouth County, inspects and photographs the damage and explains your options in English or Spanish. The claim review is free. No recovery, no fee.
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 (732) 517-3777.
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.
By Nelson Avila
Storm history near Monmouth County
Since 1851, 24 tropical storms and hurricanes have passed within 50 miles of Monmouth County, 6 of them hurricanes at their closest point, plus 18 tropical depressions and post-tropical storms. The strongest at its closest point was Donna (1960), a Category 2 hurricane 47 miles away. Scroll to follow the storms that shaped the area.
Ida · 2021
At its closest point on September 2, 2021, Ida was a post-tropical storm about 6 miles from Monmouth County, with winds near 45 mph.
Elsa · 2021
At its closest point on July 9, 2021, Elsa was a tropical storm about 40 miles from Monmouth County, with winds near 60 mph.
Gloria · 1985
At its closest point on September 27, 1985, Gloria was a Category 1 hurricane about 34 miles from Monmouth County, with winds near 90 mph.
Belle · 1976
At its closest point on August 10, 1976, Belle was a Category 1 hurricane about 39 miles from Monmouth County, with winds near 80 mph.
Donna · 1960
At its closest point on September 12, 1960, Donna was a Category 2 hurricane about 47 miles from Monmouth County, with winds near 100 mph.
All 42 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2021 | Ida | Post-tropical storm | 6 mi | 45 mph |
| 2021 | Elsa | Tropical storm | 40 mi | 60 mph |
| 2020 | Fay | Tropical storm | 8 mi | 40 mph |
| 2013 | Andrea | Post-tropical storm | 40 mi | 45 mph |
| 2011 | Irene | Tropical storm | 3 mi | 65 mph |
| 2008 | Hanna | Tropical storm | 8 mi | 50 mph |
| 2000 | Gordon | Post-tropical storm | 21 mi | 30 mph |
| 1999 | Floyd | Tropical storm | 21 mi | 60 mph |
| 1996 | Bertha | Tropical storm | 8 mi | 70 mph |
| 1988 | Chris | Post-tropical storm | 38 mi | 25 mph |
| 1985 | Gloria | Category 1 hurricane | 34 mi | 90 mph |
| 1976 | Belle | Category 1 hurricane | 39 mi | 80 mph |
| 1972 | Agnes | Post-tropical storm | 36 mi | 60 mph |
| 1971 | Doria | Tropical storm | 10 mi | 60 mph |
| 1968 | Unnamed storm | Tropical storm | 40 mi | 60 mph |
| 1968 | Candy | Post-tropical storm | 19 mi | 30 mph |
| 1961 | Unnamed storm | Tropical storm | 27 mi | 60 mph |
| 1960 | Donna | Category 2 hurricane | 47 mi | 100 mph |
| 1960 | Brenda | Tropical storm | 10 mi | 60 mph |
| 1955 | Diane | Tropical storm | 18 mi | 45 mph |
| 1945 | Unnamed storm | Post-tropical storm | 33 mi | 35 mph |
| 1934 | Unnamed hurricane | Category 1 hurricane | 49 mi | 75 mph |
| 1934 | Unnamed storm | Post-tropical storm | 3 mi | 45 mph |
| 1924 | Unnamed storm | Post-tropical storm | 6 mi | 70 mph |
| 1916 | Unnamed storm | Post-tropical storm | 40 mi | 55 mph |
| 1915 | Unnamed storm | Post-tropical storm | 39 mi | 55 mph |
| 1904 | Unnamed storm | Post-tropical storm | 37 mi | 80 mph |
| 1903 | Unnamed storm | Tropical storm | 44 mi | 65 mph |
| 1902 | Unnamed storm | Post-tropical storm | 41 mi | 45 mph |
| 1900 | Unnamed storm | Post-tropical storm | 23 mi | 40 mph |
| 1897 | Unnamed storm | Tropical storm | 46 mi | 65 mph |
| 1894 | Unnamed hurricane | Category 1 hurricane | 40 mi | 85 mph |
| 1893 | Unnamed hurricane | Category 1 hurricane | 13 mi | 85 mph |
| 1888 | Unnamed storm | Post-tropical storm | 18 mi | 40 mph |
| 1886 | Unnamed storm | Tropical depression | 43 mi | 35 mph |
| 1882 | Unnamed storm | Tropical storm | 31 mi | 45 mph |
| 1877 | Unnamed storm | Post-tropical storm | 30 mi | 70 mph |
| 1874 | Unnamed storm | Tropical storm | 1 mi | 65 mph |
| 1872 | Unnamed storm | Tropical storm | 4 mi | 45 mph |
| 1866 | Unnamed storm | Post-tropical storm | 7 mi | 60 mph |
| 1863 | Unnamed storm | Tropical storm | 21 mi | 50 mph |
| 1861 | Unnamed storm | Tropical storm | 7 mi | 65 mph |
Federal disaster declarations covering Monmouth County
Since 1971, FEMA has issued 23 federal declarations covering Monmouth County for storms, floods, winter weather, freezes and fires.
- September 5, 2021 · Remnants of Hurricane Ida · Major disaster (DR-4614)
- September 2, 2021 · Remnants of Hurricane Ida · Emergency (EM-3573)
- December 11, 2020 · Tropical Storm Isaias · Major disaster (DR-4574)
- March 14, 2016 · Severe Winter Storm and Snowstorm · Major disaster (DR-4264)
- October 30, 2012 · Hurricane Sandy · Major disaster (DR-4086)
- October 28, 2012 · Hurricane Sandy · Emergency (EM-3354)
- August 31, 2011 · Hurricane Irene · Major disaster (DR-4021)
- August 27, 2011 · Hurricane Irene · Emergency (EM-3332)
All 23 declarations
- February 4, 2011 · Severe Winter Storm and Snowstorm · Major disaster (DR-1954)
- April 2, 2010 · Severe Storms and Flooding · Major disaster (DR-1897)
- September 19, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3257)
- March 20, 2003 · Snow · Emergency (EM-3181)
- September 19, 2001 · Fires and Explosions · Emergency (EM-3169)
- September 17, 1999 · Hurricane Floyd Emergency Declarations · Emergency (EM-3148)
- January 13, 1996 · Blizzard of 96 (Severe Snow Storm) · Major disaster (DR-1088)
- March 17, 1993 · Severe Blizzard · Emergency (EM-3106)
- December 18, 1992 · Coastal Storm, High Tides, Heavy Rain, & Flooding · Major disaster (DR-973)
- March 3, 1992 · Severe Coastal Storm · Major disaster (DR-936)
- October 15, 1985 · Hurricane Gloria · Major disaster (DR-749)
- April 12, 1984 · Coastal Storms & Flooding · Major disaster (DR-701)
- February 8, 1977 · Ice Conditions · Major disaster (DR-528)
- August 21, 1976 · Severe Storms, High Winds & Flooding · Major disaster (DR-519)
- September 4, 1971 · Heavy Rains & Flooding · Major disaster (DR-310)
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.
Monmouth County Public Adjusters
Homeland serves Monmouth County property owners, available 24/7 by phone at (732) 517-3777 (New Jersey) and (305) 783-3777 (Florida). We handle claims across all of Florida and New Jersey, including Long Branch, Asbury Park and Red Bank.
Monmouth County resources after a property loss
The offices a Monmouth 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 Monmouth County and state sources.
- 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?