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 Ocean 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 Ocean County Property Owners
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Ocean County Storm Facts
- A FEMA aerial damage assessment after Superstorm Sandy (October 29, 2012) found more than 40,000 of the roughly 72,000 buildings it identified statewide as damaged or destroyed were in Ocean County.
- On Long Beach Island alone, estimated damage topped $750 million. In Mantoloking, about two dozen oceanfront homes were torn from their foundations and ruptured gas lines sparked fires that destroyed 14 more. In Seaside Heights, a 50-foot section of the Funtown Pier washed into the ocean and 40 of its 44 rides were damaged.
- During Superstorm Sandy, the barrier island at Mantoloking was breached, connecting the Atlantic Ocean with Barnegat Bay, according to the U.S. Geological Survey.
- New Jersey’s 2019 State Hazard Mitigation Plan lists Ocean County among the counties with more than 1,000 repetitive-loss flood properties, with $208,160,863 in repetitive-loss flood insurance claims paid.
Insurance Claims We Handle in Ocean County
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Ocean County.
Flood Damage
Storm surge and flood losses in Ocean 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 Ocean 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 Ocean County businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Ocean 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 Ocean 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. Ocean 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 Ocean County Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Ocean 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
Ocean 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. Ocean 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 Ocean County. Si su hogar, negocio o propiedad en Ocean 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 Ocean County
Homeland’s Ocean County public adjusters also have local pages for Toms River, NJ.
In the News Near Ocean County, NJ
Ocean County Public Adjuster FAQs
Ocean 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 repeat flood claims in Ocean County?▶
Yes. New Jersey’s state hazard mitigation plan counts more than 1,000 repetitive-loss flood properties in Ocean County, so many owners have filed more than once. Homeland documents each loss on its own and handles the claim with your insurer; call our local line 24/7 at (732) 517-3777.
Does Homeland handle storm and flood claims in Ocean County?▶
Yes. Hurricane, nor’easter, wind and flood claims are among the losses Homeland handles in New Jersey. Ocean County absorbed more Superstorm Sandy building damage than any other New Jersey county in 2012, and we help Ocean 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 Ocean 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.
Who is the best public adjuster in Ocean County?▶
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 Ocean County.
Who is actually going to handle my case?▶
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.
What percentage 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 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 Ocean County?▶
Yes. A licensed Homeland public adjuster comes to your property in Ocean County and anywhere in New Jersey, including Toms River, so you don’t need to visit an office. Call (732) 517-3777, 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 present the full claim. Read Insurance denied or lowballed your claim? Every option, compared.
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.
I need a good public adjuster for damage at my house in Ocean 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 Ocean County, inspects and photographs the damage and explains your options in English or Spanish. The claim review is free. No recovery, no fee.
By Nelson Avila
Storm history near Ocean County
Since 1851, 27 tropical storms and hurricanes have passed within 50 miles of Ocean County, 6 of them hurricanes at their closest point, plus 21 tropical depressions and post-tropical storms. The strongest at its closest point was Donna (1960), a Category 2 hurricane 42 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 21 miles from Ocean County, with winds near 45 mph.
Elsa · 2021
At its closest point on July 9, 2021, Elsa was a tropical storm about 25 miles from Ocean County, with winds near 60 mph.
Gloria · 1985
At its closest point on September 27, 1985, Gloria was a Category 1 hurricane about 27 miles from Ocean 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 Ocean County, with winds near 85 mph.
Donna · 1960
At its closest point on September 12, 1960, Donna was a Category 2 hurricane about 42 miles from Ocean County, with winds near 100 mph.
All 48 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2021 | Ida | Post-tropical storm | 21 mi | 45 mph |
| 2021 | Elsa | Tropical storm | 25 mi | 60 mph |
| 2020 | Fay | Tropical storm | 4 mi | 45 mph |
| 2013 | Andrea | Post-tropical storm | 26 mi | 45 mph |
| 2012 | Sandy | Post-tropical storm | 28 mi | 80 mph |
| 2011 | Irene | Tropical storm | 1 mi | 65 mph |
| 2008 | Hanna | Tropical storm | 16 mi | 50 mph |
| 2005 | Twenty-Two | Post-tropical storm | 30 mi | 35 mph |
| 2005 | Cindy | Post-tropical storm | 47 mi | 30 mph |
| 2004 | Charley | Post-tropical storm | 46 mi | 40 mph |
| 2000 | Gordon | Post-tropical storm | 3 mi | 30 mph |
| 1999 | Floyd | Tropical storm | 12 mi | 60 mph |
| 1996 | Bertha | Tropical storm | 24 mi | 70 mph |
| 1985 | Gloria | Category 1 hurricane | 27 mi | 90 mph |
| 1985 | Henri | Tropical storm | 47 mi | 40 mph |
| 1976 | Belle | Category 1 hurricane | 39 mi | 85 mph |
| 1972 | Agnes | Post-tropical storm | 48 mi | 65 mph |
| 1971 | Doria | Tropical storm | 12 mi | 65 mph |
| 1968 | Unnamed storm | Tropical storm | 40 mi | 60 mph |
| 1968 | Candy | Post-tropical storm | 26 mi | 30 mph |
| 1961 | Unnamed storm | Tropical storm | 14 mi | 60 mph |
| 1960 | Donna | Category 2 hurricane | 42 mi | 100 mph |
| 1960 | Brenda | Tropical storm | 6 mi | 60 mph |
| 1955 | Diane | Tropical storm | 46 mi | 45 mph |
| 1945 | Unnamed storm | Post-tropical storm | 49 mi | 35 mph |
| 1944 | Unnamed storm | Tropical storm | 36 mi | 40 mph |
| 1939 | Unnamed storm | Tropical depression | 48 mi | 35 mph |
| 1934 | Unnamed hurricane | Category 1 hurricane | 47 mi | 75 mph |
| 1934 | Unnamed storm | Post-tropical storm | 24 mi | 45 mph |
| 1924 | Unnamed storm | Post-tropical storm | 14 mi | 70 mph |
| 1916 | Unnamed storm | Post-tropical storm | 26 mi | 55 mph |
| 1904 | Unnamed storm | Post-tropical storm | 17 mi | 75 mph |
| 1903 | Unnamed storm | Tropical storm | 32 mi | 70 mph |
| 1902 | Unnamed storm | Post-tropical storm | 28 mi | 45 mph |
| 1900 | Unnamed storm | Post-tropical storm | 21 mi | 40 mph |
| 1897 | Unnamed storm | Tropical storm | 37 mi | 65 mph |
| 1894 | Unnamed hurricane | Category 1 hurricane | 29 mi | 85 mph |
| 1893 | Unnamed hurricane | Category 1 hurricane | 19 mi | 90 mph |
| 1888 | Unnamed storm | Post-tropical storm | 3 mi | 40 mph |
| 1886 | Unnamed storm | Tropical depression | 18 mi | 35 mph |
| 1882 | Unnamed storm | Tropical storm | 15 mi | 45 mph |
| 1877 | Unnamed storm | Post-tropical storm | 10 mi | 70 mph |
| 1874 | Unnamed storm | Tropical storm | 16 mi | 65 mph |
| 1872 | Unnamed storm | Tropical storm | 15 mi | 45 mph |
| 1866 | Unnamed storm | Post-tropical storm | 4 mi | 65 mph |
| 1863 | Unnamed storm | Tropical storm | 27 mi | 55 mph |
| 1861 | Unnamed storm | Tropical storm | 5 mi | 65 mph |
| 1856 | Unnamed storm | Tropical storm | 46 mi | 60 mph |
Federal disaster declarations covering Ocean County
Since 1971, FEMA has issued 28 federal declarations covering Ocean County for storms, floods, winter weather, freezes and fires.
- April 24, 2025 · Jones Road Fire · Fire management (FM-5581)
- September 5, 2021 · Remnants of Hurricane Ida · Major disaster (DR-4614)
- September 2, 2021 · Remnants of Hurricane Ida · Emergency (EM-3573)
- April 28, 2021 · Severe Winter Storm and Snowstorm · Major disaster (DR-4597)
- 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)
All 28 declarations
- August 27, 2011 · Hurricane Irene · Emergency (EM-3332)
- February 4, 2011 · Severe Winter Storm and Snowstorm · Major disaster (DR-1954)
- April 2, 2010 · Severe Storms and Flooding · Major disaster (DR-1897)
- February 5, 2010 · Snowstorm · Major disaster (DR-1873)
- December 22, 2009 · Severe Storms and Flooding Associated with Tropical Depression Ida and A Nor'Eas · Major disaster (DR-1867)
- May 16, 2007 · Warren Grove Fire · Fire management (FM-2695)
- September 19, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3257)
- March 20, 2003 · Snow · Emergency (EM-3181)
- June 2, 2002 · Nj - Double Trouble Wildfire - 6/02/02 · Fire management (FM-2411)
- September 19, 2001 · Fires and Explosions · Emergency (EM-3169)
- September 17, 1999 · Hurricane Floyd Emergency Declarations · Emergency (EM-3148)
- March 3, 1998 · Severe Winter Coastal Storm, High Winds, Flooding · Major disaster (DR-1206)
- 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)
- 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.
Ocean County Public Adjusters
Homeland serves Ocean 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 Toms River, Seaside Heights, Lakewood, Brick and Barnegat.
Ocean County resources after a property loss
The offices a Ocean 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 Ocean 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?