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 Panama City: Yes. Wherever you are in Panama City, a licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (850) 808-3777, 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 Panama City Property Owners
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Bay County Storm and Claim History
- Hurricane Michael made landfall on the Florida Panhandle on October 10, 2018, and the National Hurricane Center's post-storm report raised its landfall intensity to 160 mph, Category 5. The highest gust recorded was 139 mph at Tyndall Air Force Base, near Panama City, before the anemometer failed, and homes and businesses were torn apart in Callaway and on the east side of Panama City.
- In Bay County, about 45,000 structures were damaged and more than 1,500 were destroyed, according to the National Centers for Environmental Information, and FEMA reported about 20,000 people displaced. Florida Office of Insurance Regulation data show Bay County received about 95,000 claims from the storm, and the agency found 98% of structures in Callaway and 85% of homes in Lynn Haven were damaged.
- More than a year after the storm, about 17,000 Hurricane Michael claims were still unsettled statewide, according to testimony reported by the News Service of Florida in October 2019, out of 149,448 claims reported to the Office of Insurance Regulation as of September 27, 2019.
- Bay County was among the first five Florida counties designated for FEMA Individual Assistance when the federal major disaster for Hurricane Michael was declared on October 11, 2018.
- USGS sensors along the Northwest Florida coast recorded a maximum storm tide of 15.55 feet above NAVD 88 during Hurricane Michael, and the highest high-water mark, in nearby Port St. Joe, exceeded 20 feet.
- Average homeowners insurance premium in Bay County: $3,465 a year with wind coverage, $1,577 without; condominium unit owners $1,393 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 Panama City
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Panama City.
Flood Damage
Storm surge and flood losses in Panama City, 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 Panama City homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Panama City businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Panama City 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 (850) 808-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Panama City 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 Panama City Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Panama City, 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
Panama City 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. Panama City 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 Panama City. Llámenos al 850-808-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (850) 808-3777
In the News Near Panama City, FL
Panama City Public Adjuster FAQs
Panama City 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 still help with hurricane claims in Panama City?▶
Yes. Michael damaged about 45,000 structures in Bay County, and storm damage can be reopened or supplemented within the deadlines, or reappear in a later storm. Homeland documents wind and surge damage and handles the claim; call our local line 24/7 at (850) 808-3777.
Does Homeland handle hurricane and storm claims in Panama City?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Bay County is within Florida’s hurricane-prone coastal region, and we help Panama City property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
Does Homeland serve Panama City Beach, Lynn Haven, and Mexico Beach too?▶
Yes. Homeland represents property owners throughout Bay County, not just Panama City itself, including Panama City Beach, Lynn Haven, and Mexico Beach.
Who’s the best public adjuster you can recommend in Panama City?▶
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 Panama City.
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 Panama City?▶
Yes. A licensed Homeland public adjuster comes to your property in Panama City, and anywhere in Bay County. Our office is in Miami Lakes (visits by appointment), but you don’t need to go there. Call (850) 808-3777, 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.
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 (850) 808-3777.
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 Panama City. Where do I start?▶
Call a licensed public adjuster before you sign anything or throw anything out. Homeland answers 24/7 at (850) 808-3777, and a licensed adjuster comes to your property in Panama City, 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 Panama City
Since 1851, 45 tropical storms and hurricanes have passed within 50 miles of Panama City, 19 of them hurricanes at their closest point, plus 12 tropical depressions and post-tropical storms. The strongest at its closest point was Michael (2018), a Category 5 hurricane 14 miles away. Scroll to follow the storms that shaped the area.
Mindy · 2021
At its closest point on September 9, 2021, Mindy was a tropical storm about 46 miles from Panama City, with winds near 55 mph.
Michael · 2018
At its closest point on October 10, 2018, Michael was a Category 5 hurricane about 14 miles from Panama City, with winds near 160 mph.
Earl · 1998
At its closest point on September 3, 1998, Earl was a Category 1 hurricane about 5 miles from Panama City, with winds near 80 mph.
Kate · 1985
At its closest point on November 21, 1985, Kate was a Category 2 hurricane about 20 miles from Panama City, with winds near 100 mph.
Eloise · 1975
At its closest point on September 23, 1975, Eloise was a Category 3 hurricane about 39 miles from Panama City, with winds near 125 mph.
All 57 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2021 | Mindy | Tropical storm | 46 mi | 55 mph |
| 2021 | Fred | Tropical storm | 16 mi | 60 mph |
| 2019 | Nestor | Post-tropical storm | 11 mi | 45 mph |
| 2018 | Michael | Category 5 hurricane | 14 mi | 160 mph |
| 2018 | Alberto | Tropical storm | 18 mi | 50 mph |
| 2009 | Ida | Post-tropical storm | 39 mi | 30 mph |
| 2009 | Claudette | Tropical storm | 24 mi | 50 mph |
| 2008 | Fay | Tropical storm | 9 mi | 45 mph |
| 2007 | Ten | Tropical depression | 40 mi | 35 mph |
| 2001 | Barry | Tropical storm | 38 mi | 70 mph |
| 1998 | Georges | Tropical depression | 37 mi | 30 mph |
| 1998 | Earl | Category 1 hurricane | 5 mi | 80 mph |
| 1994 | Beryl | Tropical storm | 11 mi | 60 mph |
| 1987 | Unnamed storm | Tropical depression | 20 mi | 15 mph |
| 1985 | Kate | Category 2 hurricane | 20 mi | 100 mph |
| 1980 | Unnamed storm | Tropical depression | 40 mi | 30 mph |
| 1975 | Eloise | Category 3 hurricane | 39 mi | 125 mph |
| 1972 | Agnes | Category 1 hurricane | 6 mi | 75 mph |
| 1970 | Becky | Tropical storm | 28 mi | 40 mph |
| 1969 | Unnamed storm | Tropical depression | 25 mi | 35 mph |
| 1964 | Hilda | Post-tropical storm | 33 mi | 55 mph |
| 1957 | Debbie | Tropical storm | 26 mi | 40 mph |
| 1956 | Flossy | Category 1 hurricane | 33 mi | 75 mph |
| 1953 | Florence | Category 1 hurricane | 33 mi | 90 mph |
| 1953 | Alice | Tropical storm | 14 mi | 50 mph |
| 1947 | Unnamed storm | Tropical depression | 2 mi | 35 mph |
| 1939 | Unnamed hurricane | Category 1 hurricane | 16 mi | 75 mph |
| 1937 | Unnamed storm | Tropical storm | 35 mi | 40 mph |
| 1937 | Unnamed storm | Tropical storm | 35 mi | 40 mph |
| 1936 | Unnamed storm | Tropical depression | 13 mi | 30 mph |
| 1936 | Unnamed hurricane | Category 2 hurricane | 47 mi | 100 mph |
| 1929 | Unnamed hurricane | Category 1 hurricane | 3 mi | 80 mph |
| 1928 | Unnamed storm | Tropical storm | 46 mi | 45 mph |
| 1924 | Unnamed hurricane | Category 1 hurricane | 39 mi | 85 mph |
| 1915 | Unnamed hurricane | Category 1 hurricane | 16 mi | 85 mph |
| 1907 | Unnamed storm | Tropical storm | 5 mi | 50 mph |
| 1907 | Unnamed storm | Tropical storm | 12 mi | 60 mph |
| 1906 | Unnamed storm | Tropical storm | 4 mi | 50 mph |
| 1904 | Unnamed storm | Tropical depression | 40 mi | 40 mph |
| 1903 | Unnamed hurricane | Category 1 hurricane | 2 mi | 90 mph |
| 1899 | Unnamed storm | Tropical storm | 32 mi | 70 mph |
| 1898 | Unnamed storm | Tropical storm | 8 mi | 65 mph |
| 1896 | Unnamed hurricane | Category 1 hurricane | 48 mi | 95 mph |
| 1894 | Unnamed hurricane | Category 3 hurricane | 5 mi | 120 mph |
| 1886 | Unnamed hurricane | Category 2 hurricane | 43 mi | 100 mph |
| 1885 | Unnamed storm | Tropical depression | 26 mi | 35 mph |
| 1885 | Unnamed storm | Tropical storm | 12 mi | 60 mph |
| 1885 | Unnamed storm | Tropical storm | 4 mi | 60 mph |
| 1880 | Unnamed storm | Tropical storm | 6 mi | 70 mph |
| 1879 | Unnamed storm | Tropical storm | 47 mi | 60 mph |
| 1878 | Unnamed storm | Tropical storm | 24 mi | 60 mph |
| 1877 | Unnamed hurricane | Category 3 hurricane | 15 mi | 115 mph |
| 1877 | Unnamed storm | Tropical storm | 32 mi | 70 mph |
| 1875 | Unnamed storm | Tropical storm | 3 mi | 55 mph |
| 1868 | Unnamed storm | Tropical storm | 22 mi | 70 mph |
| 1856 | Unnamed hurricane | Category 2 hurricane | 11 mi | 100 mph |
| 1851 | Unnamed hurricane | Category 3 hurricane | 2 mi | 115 mph |
Federal disaster declarations covering Bay County
Since 1975, FEMA has issued 48 federal declarations covering Bay County for storms, floods, winter weather, freezes and fires.
- October 9, 2026 · Hurricane Isaias · Emergency (EM-3655)
- September 28, 2024 · Hurricane Helene · Major disaster (DR-4828)
- September 24, 2024 · Tropical Storm Helene · Emergency (EM-3615)
- 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)
- September 29, 2022 · Hurricane Ian · Major disaster (DR-4673)
All 48 declarations
- September 24, 2022 · Tropical Storm Ian · Emergency (EM-3584)
- March 6, 2022 · Chipola Fire Complex · Fire management (FM-5426)
- March 4, 2022 · 1707 Adkins Ave Fire · Fire management (FM-5424)
- August 16, 2021 · Tropical Storm Fred · Emergency (EM-3562)
- September 23, 2020 · Hurricane Sally · Major disaster (DR-4564)
- September 15, 2020 · Hurricane Sally · Emergency (EM-3546)
- August 30, 2019 · Hurricane Dorian · Emergency (EM-3419)
- October 11, 2018 · Hurricane Michael · Major disaster (DR-4399)
- October 9, 2018 · Hurricane Michael · Emergency (EM-3405)
- September 10, 2017 · Hurricane Irma · Major disaster (DR-4337)
- September 5, 2017 · Hurricane Irma · Emergency (EM-3385)
- May 6, 2014 · Severe Storms, Tornadoes, Straight-Line Winds, and Flooding · Major disaster (DR-4177)
- August 2, 2013 · Severe Storms and Flooding · Major disaster (DR-4138)
- October 18, 2012 · Hurricane Isaac · Major disaster (DR-4084)
- April 21, 2009 · Severe Storms, Flooding, Tornadoes, and Straight-Line Winds · Major disaster (DR-1831)
- October 27, 2008 · Hurricane Gustav · Major disaster (DR-1806)
- August 21, 2008 · Tropical Storm Fay · Emergency (EM-3288)
- September 5, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3220)
- August 28, 2005 · Hurricane Katrina · Major disaster (DR-1602)
- July 10, 2005 · Hurricane Dennis · Major disaster (DR-1595)
- September 16, 2004 · Hurricane Ivan · Major disaster (DR-1551)
- September 4, 2004 · Hurricane Frances · Major disaster (DR-1545)
- August 13, 2004 · Tropical Storm Bonnie and Hurricane Charley · Major disaster (DR-1539)
- June 17, 2001 · Tropical Storm Allison · Major disaster (DR-1381)
- October 3, 2000 · Tropical Storm Helene · Major disaster (DR-1344)
- April 27, 1999 · Fl-Fires 04/15/99 · Emergency (EM-3139)
- April 17, 1999 · Fl-Fires 04/13/99 · Fire management (FM-2255)
- September 28, 1998 · Hurricane Georges · Major disaster (DR-1249)
- September 25, 1998 · Hurricane Grorges · Emergency (EM-3131)
- September 4, 1998 · Hurricane Earl · Major disaster (DR-1241)
- 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 4, 1995 · Hurricane Opal · Major disaster (DR-1069)
- August 10, 1995 · Hurricane Erin · Major disaster (DR-1062)
- July 10, 1994 · Severe Storms and Flooding (Tropical Storm Alberto) · Major disaster (DR-1035)
- July 8, 1994 · Tropical Storm Alberto · Emergency (EM-3114)
- April 3, 1990 · Severe Storms & Flooding · Major disaster (DR-862)
- September 13, 1979 · Hurricane Frederic · Major disaster (DR-600)
- September 26, 1975 · High Winds, Heavy Rains & Flooding · Major disaster (DR-484)
- August 22, 1975 · Flooding · Major disaster (DR-479)
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.
Panama City Public Adjusters
Homeland serves Panama City property owners, available 24/7 by phone at (850) 808-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey.
Panama City resources after a property loss
The offices a Panama City 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 Bay 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?