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 Paterson: 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 Paterson Property Owners
Request A Free Claim Evaluation
Paterson Storm and Flood Facts
- After the remnants of Hurricane Ida struck on September 1–2, 2021, ABC7 New York reported that rivers in Paterson had still not crested nearly 48 hours later; officials said 60 cars were abandoned across the city, "countless" homes were damaged, and first responders rescued 300 people. Rutgers' New Jersey State Climate Office counted roughly 30 deaths statewide from Ida, most from flash-flood drownings.
- In December 2023, Paterson declared a state of emergency after a Sunday coastal storm, and CBS New York reported on December 19–20 that the Passaic River crested again on Tuesday, "wreaking a second round of havoc on an already waterlogged town," with trucks rescuing people from homes along the river and all Paterson public schools closed on Wednesday, December 20.
- During Hurricane Irene in August 2011, NBC New York reported that the Passaic River crested on Tuesday, August 30, bringing a new round of evacuations in Paterson and Lodi, while flooding continued in Paterson, Little Falls and Montville Township after the state's rivers crested.
- On the Passaic River gauge at Little Falls, where flood stage is 7 feet, the record crest is 17.5 feet on October 10, 1903, and the second-highest is 14.19 feet during Hurricane Irene on August 30, 2011.
- Passaic County was designated for both FEMA Individual Assistance and Public Assistance under the Hurricane Ida major disaster declaration FEMA-4614-DR, declared September 5, 2021.
Insurance Claims We Handle in Paterson
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Paterson.
Flood Damage
Storm surge and flood losses in Paterson, 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 Paterson 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 Paterson businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Paterson 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 Paterson 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. Paterson 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 Paterson Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Paterson, 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
Paterson 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. Paterson 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 Paterson. Si su hogar, negocio o propiedad en Paterson 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 Paterson, NJ
Paterson Public Adjuster FAQs
Paterson 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 Passaic River flood claims in Paterson?▶
Yes. The Passaic River has flooded Paterson again and again, from Hurricane Irene in 2011 to Ida in 2021 and the December 2023 storm, and Passaic County received a federal disaster declaration after Ida. Homeland documents flood and water damage and handles the claim; call our local line 24/7 at (973) 899-3777.
Does Homeland handle storm, flood and nor’easter claims in Paterson?▶
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, Passaic, and Wayne too?▶
Yes. Homeland represents property owners throughout Passaic County, not just Paterson itself, including Clifton, Passaic, and Wayne.
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 Paterson 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 Paterson. 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 Paterson.
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 Paterson and look at the damage?▶
Yes. A licensed Homeland public adjuster comes to your property in Paterson and anywhere in New Jersey, including Passaic 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.
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.
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 Paterson. 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 Paterson, 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
By Yeni MartinezStorm history near Paterson
Since 1851, 19 tropical storms and hurricanes have passed within 50 miles of Paterson, 2 of them hurricanes at their closest point, plus 13 tropical depressions and post-tropical storms. The strongest at its closest point was Gloria (1985), a Category 1 hurricane 49 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 46 miles from Paterson, with winds near 45 mph.
Isaias · 2020
At its closest point on August 4, 2020, Isaias was a tropical storm about 44 miles from Paterson, with winds near 60 mph.
Irene · 2011
At its closest point on August 28, 2011, Irene was a tropical storm about 16 miles from Paterson, with winds near 60 mph.
Gloria · 1985
At its closest point on September 27, 1985, Gloria was a Category 1 hurricane about 49 miles from Paterson, with winds near 85 mph.
Unnamed hurricane · 1893
At its closest point on August 24, 1893, Unnamed hurricane was a Category 1 hurricane about 18 miles from Paterson, with winds near 85 mph.
All 32 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2021 | Ida | Post-tropical storm | 46 mi | 45 mph |
| 2020 | Isaias | Tropical storm | 44 mi | 60 mph |
| 2011 | Irene | Tropical storm | 16 mi | 60 mph |
| 2008 | Hanna | Tropical storm | 36 mi | 50 mph |
| 1999 | Floyd | Tropical storm | 41 mi | 60 mph |
| 1996 | Bertha | Tropical storm | 25 mi | 70 mph |
| 1994 | Beryl | Tropical depression | 43 mi | 15 mph |
| 1988 | Chris | Post-tropical storm | 10 mi | 25 mph |
| 1985 | Gloria | Category 1 hurricane | 49 mi | 85 mph |
| 1976 | Belle | Tropical storm | 48 mi | 70 mph |
| 1972 | Agnes | Post-tropical storm | 24 mi | 60 mph |
| 1971 | Doria | Tropical storm | 16 mi | 60 mph |
| 1968 | Unnamed storm | Tropical storm | 49 mi | 65 mph |
| 1968 | Candy | Post-tropical storm | 48 mi | 30 mph |
| 1960 | Brenda | Tropical storm | 33 mi | 55 mph |
| 1955 | Diane | Tropical storm | 25 mi | 45 mph |
| 1952 | Able | Tropical storm | 24 mi | 55 mph |
| 1945 | Unnamed storm | Post-tropical storm | 3 mi | 30 mph |
| 1934 | Unnamed storm | Post-tropical storm | 38 mi | 45 mph |
| 1924 | Unnamed storm | Post-tropical storm | 17 mi | 70 mph |
| 1915 | Unnamed storm | Post-tropical storm | 4 mi | 60 mph |
| 1900 | Unnamed storm | Post-tropical storm | 43 mi | 40 mph |
| 1899 | Unnamed storm | Post-tropical storm | 39 mi | 55 mph |
| 1893 | Unnamed storm | Tropical storm | 35 mi | 65 mph |
| 1893 | Unnamed hurricane | Category 1 hurricane | 18 mi | 85 mph |
| 1888 | Unnamed storm | Post-tropical storm | 48 mi | 40 mph |
| 1888 | Unnamed storm | Tropical storm | 23 mi | 45 mph |
| 1874 | Unnamed storm | Tropical storm | 24 mi | 70 mph |
| 1872 | Unnamed storm | Tropical storm | 29 mi | 45 mph |
| 1866 | Unnamed storm | Post-tropical storm | 10 mi | 60 mph |
| 1863 | Unnamed storm | Tropical storm | 3 mi | 50 mph |
| 1861 | Unnamed storm | Tropical storm | 30 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.
Paterson Public Adjusters
Homeland serves Paterson 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, Passaic, Totowa, Haledon, Hawthorne and Prospect Park.
Paterson resources after a property loss
The offices a Paterson 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?