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 Nassau County: Yes — every city in Nassau County. A licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (904) 977-3777, 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 Jacksonville · All Florida cities and counties
Experienced Public Adjusters Serving Nassau County Property Owners
Request A Free Claim Evaluation

Nassau County Storm History
- A week after Hurricane Irma struck in September 2017, Nassau County's initial damage assessment, covering 132 structures, had already topped $9 million.
- That figure excluded flooded structures, since some flooded areas were still inaccessible a week after the storm — officials expected the final total to run significantly higher once those were counted.
- During Hurricane Irma in September 2017, the tide gauge at Fernandina Beach recorded a storm surge of 7.78 feet, the highest surge in the Florida Climate Center’s statewide Irma table, ahead of every gauge on the St. Johns River.
- Average homeowners insurance premium in Nassau County: $3,051 a year with wind coverage, $1,608 without; condominium unit owners $1,809 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 Nassau County
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Nassau County.
Flood Damage
Storm surge and flood losses in Nassau 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 Nassau County homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Nassau County businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Nassau 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 (904) 977-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Nassau 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™ AppA Nassau County Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Nassau 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
Nassau 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. Nassau 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 Nassau County. Llámenos al 904-977-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (904) 977-3777
In the News Near Nassau County, FL

Nassau County Public Adjuster FAQs
Nassau 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 storm surge and flood claims in Nassau County?▶
Yes. Coastal Nassau County is exposed to surge: Fernandina Beach recorded a 7.78-foot storm surge during Hurricane Irma, and the county’s early Irma damage assessment topped $9 million before flooded structures were even counted. Homeland documents the loss and handles the claim; call our local line 24/7 at (904) 977-3777.
Does Homeland handle hurricane claims in Nassau County?▶
Yes. Hurricane, wind and flood claims are among the losses Homeland handles. Nassau County's initial Hurricane Irma damage assessment topped $9 million in 2017, excluding flooded structures, and we help Nassau County property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
Does Homeland serve Fernandina Beach, Callahan, and Hilliard too?▶
Yes. Homeland represents property owners throughout Nassau County, including Fernandina Beach, Callahan, and Hilliard.
Who’s the best public adjuster you can recommend in Nassau 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 Nassau County.
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 Nassau County?▶
Yes. A licensed Homeland public adjuster comes to your property anywhere in Nassau County, including Jacksonville. Our office is in Miami Lakes (visits by appointment), but you don’t need to go there. Call (904) 977-3777, 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.
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 Nassau County. Where do I start?▶
Call a licensed public adjuster before you sign anything or throw anything out. Homeland answers 24/7 at (904) 977-3777, and a licensed adjuster comes to your property in Nassau 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 (904) 977-3777.
Storm history near Nassau County
Since 1851, 50 tropical storms and hurricanes have passed within 50 miles of Nassau County, 8 of them hurricanes at their closest point, plus 21 tropical depressions and post-tropical storms. The strongest at its closest point was Unnamed hurricane (1898), a Category 3 hurricane 28 miles away. Scroll to follow the storms that shaped the area.
David · 1979
At its closest point on September 4, 1979, David was a Category 2 hurricane about 45 miles from Nassau County, with winds near 95 mph.
Dora · 1964
At its closest point on September 10, 1964, Dora was a Category 1 hurricane about 44 miles from Nassau County, with winds near 85 mph.
Unnamed hurricane · 1928
At its closest point on September 18, 1928, Unnamed hurricane was a Category 1 hurricane about 20 miles from Nassau County, with winds near 80 mph.
Unnamed hurricane · 1898
At its closest point on October 2, 1898, Unnamed hurricane was a Category 3 hurricane about 28 miles from Nassau County, with winds near 125 mph.
Unnamed hurricane · 1896
At its closest point on September 29, 1896, Unnamed hurricane was a Category 2 hurricane about 26 miles from Nassau County, with winds near 105 mph.
All 71 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2024 | Debby | Tropical storm | 33 mi | 50 mph |
| 2021 | Mindy | Tropical depression | 39 mi | 35 mph |
| 2020 | Eta | Tropical storm | 8 mi | 40 mph |
| 2016 | Julia | Tropical storm | 5 mi | 45 mph |
| 2016 | Colin | Tropical storm | 21 mi | 50 mph |
| 2013 | Andrea | Tropical storm | 25 mi | 45 mph |
| 2012 | Beryl | Tropical storm | 26 mi | 55 mph |
| 2007 | Barry | Post-tropical storm | 4 mi | 35 mph |
| 2005 | Tammy | Tropical storm | 3 mi | 50 mph |
| 2000 | Gordon | Tropical depression | 41 mi | 35 mph |
| 1998 | Georges | Tropical depression | 8 mi | 25 mph |
| 1996 | Josephine | Post-tropical storm | 38 mi | 50 mph |
| 1994 | Gordon | Tropical depression | 6 mi | 25 mph |
| 1988 | Unnamed storm | Tropical depression | 8 mi | 35 mph |
| 1985 | Isabel | Tropical depression | 13 mi | 35 mph |
| 1984 | Isidore | Tropical storm | 14 mi | 50 mph |
| 1984 | Unnamed storm | Tropical depression | 28 mi | -115 mph |
| 1982 | Unnamed storm | Tropical storm | 34 mi | 60 mph |
| 1981 | Unnamed storm | Tropical depression | 48 mi | 35 mph |
| 1979 | David | Category 2 hurricane | 45 mi | 95 mph |
| 1976 | Unnamed storm | Tropical depression | 24 mi | 35 mph |
| 1976 | Unnamed storm | Tropical storm | 31 mi | 45 mph |
| 1972 | Alpha | Tropical storm | 10 mi | 55 mph |
| 1971 | Unnamed storm | Tropical depression | 44 mi | 35 mph |
| 1970 | Alma | Tropical depression | 29 mi | 35 mph |
| 1968 | Abby | Tropical storm | 15 mi | 55 mph |
| 1964 | Hilda | Post-tropical storm | 27 mi | 50 mph |
| 1964 | Dora | Category 1 hurricane | 44 mi | 85 mph |
| 1964 | Cleo | Tropical storm | 28 mi | 60 mph |
| 1964 | Unnamed storm | Tropical depression | 42 mi | 30 mph |
| 1960 | Brenda | Tropical storm | 41 mi | 55 mph |
| 1950 | Easy | Tropical storm | 26 mi | 40 mph |
| 1947 | Unnamed storm | Tropical storm | 16 mi | 55 mph |
| 1947 | Unnamed storm | Post-tropical storm | 21 mi | 50 mph |
| 1946 | Unnamed storm | Tropical depression | 37 mi | 25 mph |
| 1946 | Unnamed storm | Tropical storm | 22 mi | 65 mph |
| 1945 | Unnamed storm | Tropical storm | 28 mi | 70 mph |
| 1944 | Unnamed storm | Tropical storm | 15 mi | 65 mph |
| 1937 | Unnamed storm | Tropical depression | 35 mi | 25 mph |
| 1932 | Unnamed storm | Post-tropical storm | 22 mi | 50 mph |
| 1928 | Unnamed hurricane | Category 1 hurricane | 20 mi | 80 mph |
| 1926 | Unnamed storm | Tropical storm | 41 mi | 60 mph |
| 1919 | Unnamed storm | Tropical storm | 46 mi | 45 mph |
| 1916 | Unnamed storm | Tropical storm | 10 mi | 40 mph |
| 1915 | Unnamed storm | Tropical storm | 12 mi | 45 mph |
| 1914 | Unnamed storm | Tropical storm | 8 mi | 60 mph |
| 1912 | Unnamed storm | Tropical storm | 48 mi | 45 mph |
| 1910 | Unnamed storm | Tropical storm | 4 mi | 60 mph |
| 1906 | Unnamed storm | Tropical storm | 31 mi | 60 mph |
| 1900 | Unnamed storm | Post-tropical storm | 11 mi | 40 mph |
| 1898 | Unnamed hurricane | Category 3 hurricane | 28 mi | 125 mph |
| 1896 | Unnamed hurricane | Category 2 hurricane | 26 mi | 105 mph |
| 1894 | Unnamed hurricane | Category 1 hurricane | 47 mi | 80 mph |
| 1893 | Unnamed storm | Tropical storm | 43 mi | 55 mph |
| 1889 | Unnamed storm | Tropical storm | 32 mi | 45 mph |
| 1888 | Unnamed hurricane | Category 1 hurricane | 24 mi | 85 mph |
| 1888 | Unnamed storm | Tropical storm | 46 mi | 50 mph |
| 1886 | Unnamed storm | Tropical storm | 46 mi | 60 mph |
| 1885 | Unnamed storm | Tropical depression | 27 mi | 35 mph |
| 1885 | Unnamed storm | Tropical storm | 21 mi | 50 mph |
| 1885 | Unnamed storm | Tropical storm | 42 mi | 45 mph |
| 1882 | Unnamed storm | Tropical storm | 24 mi | 60 mph |
| 1880 | Unnamed storm | Tropical storm | 18 mi | 55 mph |
| 1878 | Unnamed storm | Tropical storm | 39 mi | 45 mph |
| 1877 | Unnamed storm | Tropical storm | 38 mi | 45 mph |
| 1874 | Unnamed hurricane | Category 1 hurricane | 7 mi | 75 mph |
| 1873 | Unnamed storm | Tropical storm | 22 mi | 45 mph |
| 1871 | Unnamed storm | Tropical storm | 20 mi | 60 mph |
| 1871 | Unnamed storm | Tropical storm | 15 mi | 60 mph |
| 1868 | Unnamed storm | Tropical storm | 39 mi | 45 mph |
| 1867 | Unnamed storm | Tropical storm | 29 mi | 45 mph |
Federal disaster declarations covering Nassau County
Since 1973, FEMA has issued 38 federal declarations covering Nassau 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)
- August 10, 2024 · Hurricane Debby · Major disaster (DR-4806)
- August 3, 2024 · Tropical Storm Debby · Emergency (EM-3605)
- August 31, 2023 · Hurricane Idalia · Major disaster (DR-4734)
- August 28, 2023 · Tropical Storm Idalia · Emergency (EM-3596)
- December 13, 2022 · Hurricane Nicole · Major disaster (DR-4680)
All 38 declarations
- 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)
- October 21, 2019 · Hurricane Dorian · Major disaster (DR-4468)
- 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)
- July 3, 2012 · Tropical Storm Debby · Major disaster (DR-4068)
- August 24, 2008 · Tropical Storm Fay · Major disaster (DR-1785)
- August 21, 2008 · Tropical Storm Fay · Emergency (EM-3288)
- September 5, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3220)
- 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)
- February 5, 2001 · Severe Freeze · Major disaster (DR-1359)
- June 2, 2000 · Fl, Jacksonville Fire Complex · Fire management (FM-2305)
- September 22, 1999 · Hurricane Floyd Major Disaster Declarations · Major disaster (DR-1300)
- September 14, 1999 · Hurricane Floyd Emergency Declarations · Emergency (EM-3143)
- May 14, 1999 · Jacksonville District Fire · Fire management (FM-2262)
- April 27, 1999 · Fl-Fires 04/15/99 · Emergency (EM-3139)
- June 18, 1998 · Extreme Fire Hazard · Major disaster (DR-1223)
- January 6, 1998 · Severe Storms, High Winds, Tornadoes, and Flooding · Major disaster (DR-1195)
- October 15, 1996 · Tropical Storm Josephine · Major disaster (DR-1141)
- March 13, 1993 · Tornadoes, Flooding, High Winds & Tides, Freezing · Major disaster (DR-982)
- October 8, 1992 · Severe Storms, Tornadoes & Flooding · Major disaster (DR-966)
- May 26, 1973 · Severe Storms & Flooding · Major disaster (DR-387)
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.
Nassau County Public Adjusters
Homeland serves Nassau County property owners, available 24/7 by phone at (904) 977-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey, including Fernandina Beach, Amelia Island and Yulee, near our Jacksonville coverage area.
Nassau County resources after a property loss
The offices a Nassau 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 Nassau 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?



