Aerial sunset view of historic Fernandina Beach in Nassau County, Florida — Homeland Public Adjusters serves Nassau County property owners

Public Adjuster in Nassau County, FL

Wherever you are in Nassau County, we come to you. A licensed Homeland public adjuster comes to your property within hours, in every city in Nassau County — Fernandina Beach, Callahan, Hilliard and the rest — no need to visit an office. Serving Florida property owners since 2006, in English and Spanish.

Local line for Nassau County: (904) 977-3777 · Main office: (305) 783-3777. Both reach the same Homeland team, 24/7.

For property owners in Fernandina Beach, Amelia Island, Yulee, Callahan, Hilliard and the rest of Nassau County, Homeland Public Adjusters handles the claim from inspection to settlement. A week after Hurricane Irma in 2017, the county’s initial damage assessment had already topped $9 million. We document the loss and negotiate it. Call our local line 24/7 at (904) 977-3777. No Recovery, No Fee.

No Recovery, No Fee.
Licensed in Florida (W818638) & New Jersey (3003982360)
Serving Property Owners Since 2006
Available 24/7 · Se Habla Español
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Talk to a Public Adjuster

How Can We Help You Recover, or Prepare?

Damage happening right now? Don't wait on a form. Call (904) 977-3777 (Florida) or (732) 517-3777 (New Jersey), 24/7.

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

  1. 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.
  2. A licensed adjuster comes to you. A licensed Homeland public adjuster comes to your property and inspects, photographs and measures the damage.
  3. 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.
  4. 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.
  5. 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 Nassau County Property Owners

Request A Free Claim Evaluation
Aerial sunset view of historic Fernandina Beach in Nassau County, Florida — Homeland Public Adjusters serves Nassau County property owners
Greetings from
Nassau County, FL
Serving Nassau County property owners since 2006
Homeland Public Adjusters
24/7
NASSAU COUNTY AT A GLANCE

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.
Source: News4Jax, September 18, 2017.
More sources: Florida Climate Center (Florida State University), Hurricane Irma summary.

Insurance Claims We Handle in Nassau County

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™ App
Adjuster Advantage™ Tools & Benefits
◆ Policy Scan™
◆ Safety Vault™
◆ Coverage Talk™
◆ Renewal Radar™
◆ Certificate Pack™
◆ Lifeline Card™
◆ Flood Lens™
◆ Prep Alert™
◆ 90DAY XPlus™
◆ Prep Kit™
◆ Damage Guide™
◆ Readiness Check
For Condos, HOAs, Co-ops and Master Associations
Master-policy Policy Scan™, a Safety Vault™ Building Record, 90DAY XPlus™ reminders, Prep Alerts with a Building Storm Check-in, and a Manager Portfolio. Florida associations today.
See Community Associations

A 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 Team
Licensed FL & NJ
Public Adjusters
FL Agency License
W818638
NJ Firm License
3003982360
FAPIA
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
Water-damaged cabinetry base from a leak — the kind of claim Homeland documents for Nassau County, FL property owners

In the News Near Nassau County, FL

In the News. A week after Hurricane Irma struck in September 2017, Nassau County's initial damage assessment — covering 132 structures — had already topped $9 million, Emergency Management Director Billy Estep told News4Jax (September 18, 2017). That figure excluded flooded structures, since parts of the county were still inaccessible a week out, and officials expected the real total to run higher once those were counted. An early county estimate like that is a starting point, not the ceiling, which is exactly why a documented, property-specific claim matters. If storm, wind or flood damage has affected your Nassau County home or business, Homeland Public Adjusters can help document the full extent of the loss and present it to your carrier — No Recovery, No Fee.
Historic downtown Fernandina Beach on Amelia Island, Nassau County, Florida
Historic downtown Fernandina Beach on Amelia Island, Nassau County, Florida

Nassau County Public Adjuster FAQs

Still have questions?
Call us 24/7 and talk to the Homeland team.
(904) 977-3777(732) 517-3777 · New Jersey

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.

View All FAQs

Insights for Nassau County Owners

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Talk to a Public Adjuster About Your Nassau County Claim

If damage has affected your Nassau County home, business, or community property, you don't have to handle the insurance process alone. Homeland Public Adjusters can review your situation, explain how public adjuster representation works, and help you decide the next steps for a new, active, denied, or underpaid claim.

Start Your Claim
Yeni Martinez
Senior PA · FL & NJ
Alberto Enriquez
Senior PA · FL
Yisel Dieguez
Licensed PA · FL & NJ
Nelson Avila
Licensed PA · FL
STORM HISTORY

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.

Cat 5Cat 4Cat 3Cat 2Cat 1Tropical stormPost-tropical storm
Category 2 hurricane

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.

Category 1 hurricane

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.

Category 1 hurricane

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.

Category 3 hurricane

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.

Category 2 hurricane

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
YearStormAt closest pointDistanceWinds
2024DebbyTropical storm33 mi50 mph
2021MindyTropical depression39 mi35 mph
2020EtaTropical storm8 mi40 mph
2016JuliaTropical storm5 mi45 mph
2016ColinTropical storm21 mi50 mph
2013AndreaTropical storm25 mi45 mph
2012BerylTropical storm26 mi55 mph
2007BarryPost-tropical storm4 mi35 mph
2005TammyTropical storm3 mi50 mph
2000GordonTropical depression41 mi35 mph
1998GeorgesTropical depression8 mi25 mph
1996JosephinePost-tropical storm38 mi50 mph
1994GordonTropical depression6 mi25 mph
1988Unnamed stormTropical depression8 mi35 mph
1985IsabelTropical depression13 mi35 mph
1984IsidoreTropical storm14 mi50 mph
1984Unnamed stormTropical depression28 mi-115 mph
1982Unnamed stormTropical storm34 mi60 mph
1981Unnamed stormTropical depression48 mi35 mph
1979DavidCategory 2 hurricane45 mi95 mph
1976Unnamed stormTropical depression24 mi35 mph
1976Unnamed stormTropical storm31 mi45 mph
1972AlphaTropical storm10 mi55 mph
1971Unnamed stormTropical depression44 mi35 mph
1970AlmaTropical depression29 mi35 mph
1968AbbyTropical storm15 mi55 mph
1964HildaPost-tropical storm27 mi50 mph
1964DoraCategory 1 hurricane44 mi85 mph
1964CleoTropical storm28 mi60 mph
1964Unnamed stormTropical depression42 mi30 mph
1960BrendaTropical storm41 mi55 mph
1950EasyTropical storm26 mi40 mph
1947Unnamed stormTropical storm16 mi55 mph
1947Unnamed stormPost-tropical storm21 mi50 mph
1946Unnamed stormTropical depression37 mi25 mph
1946Unnamed stormTropical storm22 mi65 mph
1945Unnamed stormTropical storm28 mi70 mph
1944Unnamed stormTropical storm15 mi65 mph
1937Unnamed stormTropical depression35 mi25 mph
1932Unnamed stormPost-tropical storm22 mi50 mph
1928Unnamed hurricaneCategory 1 hurricane20 mi80 mph
1926Unnamed stormTropical storm41 mi60 mph
1919Unnamed stormTropical storm46 mi45 mph
1916Unnamed stormTropical storm10 mi40 mph
1915Unnamed stormTropical storm12 mi45 mph
1914Unnamed stormTropical storm8 mi60 mph
1912Unnamed stormTropical storm48 mi45 mph
1910Unnamed stormTropical storm4 mi60 mph
1906Unnamed stormTropical storm31 mi60 mph
1900Unnamed stormPost-tropical storm11 mi40 mph
1898Unnamed hurricaneCategory 3 hurricane28 mi125 mph
1896Unnamed hurricaneCategory 2 hurricane26 mi105 mph
1894Unnamed hurricaneCategory 1 hurricane47 mi80 mph
1893Unnamed stormTropical storm43 mi55 mph
1889Unnamed stormTropical storm32 mi45 mph
1888Unnamed hurricaneCategory 1 hurricane24 mi85 mph
1888Unnamed stormTropical storm46 mi50 mph
1886Unnamed stormTropical storm46 mi60 mph
1885Unnamed stormTropical depression27 mi35 mph
1885Unnamed stormTropical storm21 mi50 mph
1885Unnamed stormTropical storm42 mi45 mph
1882Unnamed stormTropical storm24 mi60 mph
1880Unnamed stormTropical storm18 mi55 mph
1878Unnamed stormTropical storm39 mi45 mph
1877Unnamed stormTropical storm38 mi45 mph
1874Unnamed hurricaneCategory 1 hurricane7 mi75 mph
1873Unnamed stormTropical storm22 mi45 mph
1871Unnamed stormTropical storm20 mi60 mph
1871Unnamed stormTropical storm15 mi60 mph
1868Unnamed stormTropical storm39 mi45 mph
1867Unnamed stormTropical storm29 mi45 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.

20 Hurricanes7 Severe storms4 Tropical storms4 Fires1 Freezes1 Tornadoes1 Floods
  • 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.

Storm damage at your Nassau County property? Call Homeland first: (305) 783-3777, 24/7. We document the damage and handle your claim for you.

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.

Talk to a Public Adjuster

How Can We Help You Recover, or Prepare?

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