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 Passaic: Yes — statewide in New Jersey. A licensed Homeland public adjuster comes to your property. Call (973) 899-3777.
- 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 Passaic Property Owners
Request A Free Claim Evaluation
Passaic Storm and Flood Facts
- When the remnants of Hurricane Ida intensified after 6 p.m. on September 1, 2021, the Passaic River overflowed and floodwater in parts of Passaic ran more than six feet deep, CBS New York reported. Mayor Hector Lora said "we had firefighters swimming in the streets, as if they were in the river," and a 70-year-old man drowned after floodwater overtook his vehicle; firefighters rescued his wife and son.
- Days later, on September 5, 2021, Passaic County was one of the first six New Jersey counties included in the federal major disaster declaration for Ida (FEMA-4614-DR), opening FEMA Individual Assistance to residents. By mid-October, NJ Spotlight News reported, FEMA had approved more than $138 million for more than 27,000 applicants statewide.
- On the night of March 14, 2024, a side wall of an apartment building at 120 President Street gave way, and close to 70 people were evacuated from the complex and a neighboring building, CBS New York reported. Mayor Lora said the building was old, and pointed to "heavy rains, very strong winds" as worsening existing problems; the cause was still under investigation.
Insurance Claims We Handle in Passaic
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Passaic.
Flood Damage
Storm surge and flood losses in Passaic, 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 Passaic 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 Passaic businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Passaic 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 Passaic rental owners.
Not sure which claim fits?
Call us 24/7. New Jersey (973) 899-3777. Florida (305) 783-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Passaic 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 Passaic Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Passaic, 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
Passaic 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. Passaic 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 Passaic. Si su hogar, negocio o propiedad en Passaic sufrió daños, nuestro equipo está disponible para ayudarle con su reclamo de seguro. Llámenos al 973-899-3777 (Nueva Jersey) o al 305-783-3777 (Florida).
Call Us Now: (973) 899-3777
In the News Near Passaic, NJ
Passaic Public Adjuster FAQs
Passaic 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 flood claims from storms like Ida in Passaic?▶
Yes. Ida’s 2021 flooding put more than six feet of water in parts of Passaic, and Passaic County was in the first federal disaster declaration for Ida. Homeland documents flood, water and wind damage and handles the claim for you; call our local line 24/7 at (973) 899-3777.
Does Homeland handle storm, flood and nor’easter claims in Passaic?▶
Yes. Hurricane, tropical storm, nor’easter, wind and flood claims are among the losses Homeland handles in New Jersey, 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.
Does Homeland serve Clifton, Garfield, Wallington, and Rutherford too?▶
Yes. Homeland represents property owners throughout Passaic County, not just Passaic itself, including Clifton, Garfield, Wallington, and Rutherford.
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 Passaic 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 Passaic. 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 Passaic.
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 Passaic and look at the damage?▶
Yes. A licensed Homeland public adjuster comes to your property in Passaic and anywhere in New Jersey, including Paterson and North Bergen, so you don’t need to visit an office. Call (973) 899-3777, 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.
Can I see results from claims like mine?▶
Yes. Our results and reviews page shows published claim results by type of damage and area, with client reviews. Ask us on the first call about claims similar to yours.
I need a good public adjuster for damage at my house in Passaic. Where do I start?▶
Call a licensed public adjuster before you sign anything or throw anything out. Homeland answers 24/7 at (973) 899-3777, and a licensed adjuster comes to your property in Passaic, inspects and photographs the damage and explains your options in English or Spanish. The claim review is free. No recovery, no fee.
Water got into my house. Who can help?▶
If you safely can, stop the water and take photos and video before you clean up. Then call a licensed public adjuster. Homeland handles water damage claims in Passaic: burst pipes, AC leaks, roof leaks and flooding. We document the damage, check which policy applies and handle the claim for you. Call (973) 899-3777, 24/7.
By Nelson Avila
By Yeni MartinezStorm history near Passaic
Since 1851, 20 tropical storms and hurricanes have passed within 50 miles of Passaic, 2 of them hurricanes at their closest point, plus 14 tropical depressions and post-tropical storms. The strongest at its closest point was Unnamed hurricane (1893), a Category 1 hurricane 16 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 41 miles from Passaic, with winds near 45 mph.
Isaias · 2020
At its closest point on August 4, 2020, Isaias was a tropical storm about 47 miles from Passaic, with winds near 60 mph.
Irene · 2011
At its closest point on August 28, 2011, Irene was a tropical storm about 12 miles from Passaic, with winds near 60 mph.
Gloria · 1985
At its closest point on September 27, 1985, Gloria was a Category 1 hurricane about 47 miles from Passaic, with winds near 85 mph.
Unnamed hurricane · 1893
At its closest point on August 24, 1893, Unnamed hurricane was a Category 1 hurricane about 16 miles from Passaic, with winds near 85 mph.
All 34 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2021 | Ida | Post-tropical storm | 41 mi | 45 mph |
| 2020 | Isaias | Tropical storm | 47 mi | 60 mph |
| 2011 | Irene | Tropical storm | 12 mi | 60 mph |
| 2008 | Hanna | Tropical storm | 32 mi | 50 mph |
| 2000 | Gordon | Post-tropical storm | 48 mi | 30 mph |
| 1999 | Floyd | Tropical storm | 37 mi | 60 mph |
| 1996 | Bertha | Tropical storm | 21 mi | 70 mph |
| 1994 | Beryl | Tropical depression | 47 mi | 15 mph |
| 1988 | Chris | Post-tropical storm | 12 mi | 25 mph |
| 1985 | Gloria | Category 1 hurricane | 47 mi | 85 mph |
| 1976 | Belle | Tropical storm | 46 mi | 70 mph |
| 1972 | Agnes | Post-tropical storm | 23 mi | 60 mph |
| 1971 | Doria | Tropical storm | 13 mi | 60 mph |
| 1968 | Unnamed storm | Tropical storm | 46 mi | 65 mph |
| 1968 | Candy | Post-tropical storm | 46 mi | 30 mph |
| 1961 | Unnamed storm | Tropical storm | 47 mi | 60 mph |
| 1960 | Brenda | Tropical storm | 30 mi | 60 mph |
| 1955 | Diane | Tropical storm | 21 mi | 45 mph |
| 1952 | Able | Tropical storm | 28 mi | 55 mph |
| 1945 | Unnamed storm | Post-tropical storm | 6 mi | 30 mph |
| 1934 | Unnamed storm | Post-tropical storm | 34 mi | 45 mph |
| 1924 | Unnamed storm | Post-tropical storm | 13 mi | 70 mph |
| 1915 | Unnamed storm | Post-tropical storm | 8 mi | 60 mph |
| 1900 | Unnamed storm | Post-tropical storm | 40 mi | 40 mph |
| 1899 | Unnamed storm | Post-tropical storm | 43 mi | 55 mph |
| 1893 | Unnamed storm | Tropical storm | 39 mi | 65 mph |
| 1893 | Unnamed hurricane | Category 1 hurricane | 16 mi | 85 mph |
| 1888 | Unnamed storm | Post-tropical storm | 44 mi | 40 mph |
| 1888 | Unnamed storm | Tropical storm | 27 mi | 45 mph |
| 1874 | Unnamed storm | Tropical storm | 21 mi | 70 mph |
| 1872 | Unnamed storm | Tropical storm | 25 mi | 45 mph |
| 1866 | Unnamed storm | Post-tropical storm | 8 mi | 60 mph |
| 1863 | Unnamed storm | Tropical storm | 6 mi | 50 mph |
| 1861 | Unnamed storm | Tropical storm | 28 mi | 60 mph |
Federal disaster declarations covering Passaic County
Since 1968, FEMA has issued 24 federal declarations covering Passaic 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)
- June 8, 2018 · Severe Winter Storm and Snowstorm · Major disaster (DR-4368)
- October 30, 2012 · Hurricane Sandy · Major disaster (DR-4086)
- October 28, 2012 · Hurricane Sandy · Emergency (EM-3354)
- November 30, 2011 · Severe Storm · Major disaster (DR-4048)
- October 14, 2011 · Remnants of Tropical Storm Lee · Major disaster (DR-4039)
- August 31, 2011 · Hurricane Irene · Major disaster (DR-4021)
All 24 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)
- April 26, 2007 · Severe Storms and Inland and Coastal Flooding · Major disaster (DR-1694)
- September 19, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3257)
- April 19, 2005 · Severe Storms and Flooding · Major disaster (DR-1588)
- March 20, 2003 · Snow · Emergency (EM-3181)
- September 19, 2001 · Fires and Explosions · Emergency (EM-3169)
- September 18, 1999 · Hurricane Floyd Major Disaster Declarations · Major disaster (DR-1295)
- 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)
- April 12, 1984 · Coastal Storms & Flooding · Major disaster (DR-701)
- July 23, 1975 · Heavy Rains, High Winds, Hail & Tornadoes · Major disaster (DR-477)
- September 4, 1971 · Heavy Rains & Flooding · Major disaster (DR-310)
- June 18, 1968 · Heavy Rains & Flooding · Major disaster (DR-245)
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.
Passaic Public Adjusters
Homeland serves Passaic property owners, available 24/7 by phone at (973) 899-3777 (New Jersey) and (305) 783-3777 (Florida). We handle claims across all of Florida and New Jersey, including nearby Passaic County communities such as Clifton, Garfield, Wallington, Rutherford and East Rutherford.
Passaic resources after a property loss
The offices a Passaic 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 Passaic 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?