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 Pensacola: Yes. Wherever you are in Pensacola, 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 Pensacola Property Owners
Request A Free Claim Evaluation
Escambia County Storm and Claim History
- Hurricane Sally made landfall on September 16, 2020, and Claims Journal reported that storm surge of roughly 6 to 7 feet hit coastal Escambia County communities including Pensacola, while downtown Pensacola took 24.8 inches of rain. Barges broken loose in Pensacola Bay damaged coastal structures, and one struck the Pensacola Bay Bridge, collapsing part of the southbound lane. Industry modelers AIR Worldwide and Karen Clark & Co estimated insured losses of $1 billion to $3 billion and about $2 billion, respectively.
- On June 16, 2023, Pensacola International Airport recorded 9.23 inches of rain in one day, the 13th-highest daily total on record, while Pensacola City Hall recorded 11.56 inches over nine hours. Emergency officials reported widespread and significant flash flooding around West Pensacola, Warrington and Gulf Breeze, with water entering several buildings, and the Escambia County Emergency Operations Center activated to Level Two.
- An EF-1 tornado with winds of about 100 mph, confirmed by the National Weather Service, struck the Fort Walton Beach area of Okaloosa County on April 22, 2018. It blew roofs off buildings at an apartment complex, including five public housing buildings, wrecked a home on Okaloosa Island, and displaced eight families, about 20 people.
- Hurricane Ivan made landfall near Gulf Shores, Alabama, on September 16, 2004, but its strongest winds hit the western Panhandle; the Florida Department of Environmental Protection reports extensive damage to downtown Pensacola and to the Interstate 10 bridges crossing Pensacola Bay.
- On Pensacola Beach alone, the same Ivan assessment counted 58 habitable structures seaward of the Coastal Construction Control Line that were destroyed or sustained major damage, and 104 more with moderate to minor damage.
- Average homeowners insurance premium in Escambia County: $3,702 a year with wind coverage, $1,670 without; condominium unit owners $1,836 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 Pensacola
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Pensacola.
Flood Damage
Storm surge and flood losses in Pensacola, 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 Pensacola homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Pensacola businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Pensacola 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. Pensacola 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 Pensacola Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Pensacola, 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
Pensacola 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. Pensacola 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 Pensacola. Llámenos al 850-808-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (850) 808-3777
In the News Near Pensacola, FL
Pensacola Public Adjuster FAQs
Pensacola 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 hurricane and flash-flood claims in Pensacola?▶
Yes. Pensacola has taken direct hits from Hurricane Ivan in 2004 and Hurricane Sally in 2020, plus the June 2023 flash flood that dropped 9.23 inches at the airport in a day. Homeland documents wind, surge and flood damage and handles the claim for you. Call our local line 24/7 at (850) 808-3777.
Does Homeland handle hurricane and storm claims in Pensacola?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Escambia County is within Florida’s hurricane-prone coastal region, and we help Pensacola property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
I need a really good public adjuster in Pensacola. How do I pick one?▶
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 Pensacola.
Who will personally handle my claim?▶
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.
How much 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 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 Pensacola and look at the damage?▶
Yes. A licensed Homeland public adjuster comes to your property in Pensacola, and anywhere in Escambia 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.
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 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 Pensacola. 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 Pensacola, 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 Pensacola
Since 1851, 46 tropical storms and hurricanes have passed within 50 miles of Pensacola, 17 of them hurricanes at their closest point, plus 11 tropical depressions and post-tropical storms. The strongest at its closest point was Unnamed hurricane (1882), a Category 3 hurricane 21 miles away. Scroll to follow the storms that shaped the area.
Sally · 2020
At its closest point on September 16, 2020, Sally was a Category 1 hurricane about 23 miles from Pensacola, with winds near 90 mph.
Dennis · 2005
At its closest point on July 10, 2005, Dennis was a Category 3 hurricane about 5 miles from Pensacola, with winds near 115 mph.
Ivan · 2004
At its closest point on September 16, 2004, Ivan was a Category 2 hurricane about 40 miles from Pensacola, with winds near 110 mph.
Unnamed hurricane · 1926
At its closest point on September 20, 1926, Unnamed hurricane was a Category 3 hurricane about 12 miles from Pensacola, with winds near 115 mph.
Unnamed hurricane · 1882
At its closest point on September 10, 1882, Unnamed hurricane was a Category 3 hurricane about 21 miles from Pensacola, with winds near 125 mph.
All 57 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2020 | Sally | Category 1 hurricane | 23 mi | 90 mph |
| 2009 | Ida | Post-tropical storm | 10 mi | 35 mph |
| 2009 | Claudette | Tropical storm | 30 mi | 45 mph |
| 2008 | Fay | Tropical depression | 33 mi | 35 mph |
| 2005 | Dennis | Category 3 hurricane | 5 mi | 115 mph |
| 2005 | Arlene | Tropical storm | 19 mi | 55 mph |
| 2004 | Ivan | Category 2 hurricane | 40 mi | 110 mph |
| 2002 | Hanna | Tropical depression | 50 mi | 30 mph |
| 2001 | Barry | Tropical storm | 48 mi | 65 mph |
| 2000 | Helene | Tropical storm | 30 mi | 45 mph |
| 1998 | Georges | Tropical depression | 28 mi | 35 mph |
| 1997 | Danny | Tropical storm | 16 mi | 45 mph |
| 1995 | Opal | Category 3 hurricane | 9 mi | 115 mph |
| 1995 | Erin | Category 1 hurricane | 7 mi | 85 mph |
| 1994 | Alberto | Tropical storm | 40 mi | 65 mph |
| 1987 | Unnamed storm | Tropical depression | 34 mi | 15 mph |
| 1985 | Juan | Tropical storm | 24 mi | 60 mph |
| 1980 | Unnamed storm | Tropical depression | 42 mi | 30 mph |
| 1977 | Unnamed storm | Tropical depression | 32 mi | 30 mph |
| 1969 | Unnamed storm | Tropical storm | 23 mi | 45 mph |
| 1965 | Unnamed storm | Tropical storm | 14 mi | 60 mph |
| 1964 | Hilda | Post-tropical storm | 8 mi | 60 mph |
| 1960 | Florence | Tropical depression | 10 mi | 25 mph |
| 1959 | Irene | Tropical storm | 24 mi | 45 mph |
| 1957 | Debbie | Tropical storm | 48 mi | 40 mph |
| 1956 | Flossy | Category 1 hurricane | 23 mi | 90 mph |
| 1950 | Baker | Category 1 hurricane | 45 mi | 85 mph |
| 1948 | Unnamed storm | Tropical storm | 1 mi | 40 mph |
| 1944 | Unnamed storm | Tropical storm | 46 mi | 40 mph |
| 1939 | Unnamed storm | Tropical storm | 31 mi | 65 mph |
| 1939 | Unnamed storm | Tropical storm | 26 mi | 60 mph |
| 1936 | Unnamed storm | Tropical depression | 6 mi | 30 mph |
| 1936 | Unnamed hurricane | Category 1 hurricane | 28 mi | 85 mph |
| 1934 | Unnamed storm | Tropical storm | 8 mi | 45 mph |
| 1926 | Unnamed hurricane | Category 3 hurricane | 12 mi | 115 mph |
| 1922 | Unnamed storm | Post-tropical storm | 39 mi | 30 mph |
| 1919 | Unnamed storm | Tropical storm | 9 mi | 60 mph |
| 1917 | Unnamed hurricane | Category 3 hurricane | 24 mi | 115 mph |
| 1916 | Unnamed hurricane | Category 2 hurricane | 12 mi | 105 mph |
| 1914 | Unnamed storm | Tropical storm | 2 mi | 40 mph |
| 1911 | Unnamed hurricane | Category 1 hurricane | 20 mi | 80 mph |
| 1907 | Unnamed storm | Tropical storm | 49 mi | 60 mph |
| 1904 | Unnamed storm | Tropical storm | 28 mi | 40 mph |
| 1902 | Unnamed storm | Tropical storm | 2 mi | 55 mph |
| 1901 | Unnamed storm | Tropical storm | 31 mi | 60 mph |
| 1896 | Unnamed hurricane | Category 2 hurricane | 41 mi | 100 mph |
| 1894 | Unnamed storm | Tropical storm | 26 mi | 60 mph |
| 1889 | Unnamed storm | Tropical storm | 12 mi | 65 mph |
| 1887 | Unnamed storm | Tropical storm | 46 mi | 50 mph |
| 1887 | Unnamed hurricane | Category 1 hurricane | 34 mi | 85 mph |
| 1885 | Unnamed storm | Tropical storm | 11 mi | 45 mph |
| 1882 | Unnamed hurricane | Category 3 hurricane | 21 mi | 125 mph |
| 1880 | Unnamed storm | Tropical storm | 21 mi | 70 mph |
| 1879 | Unnamed storm | Tropical storm | 31 mi | 55 mph |
| 1877 | Unnamed hurricane | Category 1 hurricane | 14 mi | 80 mph |
| 1870 | Unnamed hurricane | Category 1 hurricane | 48 mi | 80 mph |
| 1859 | Unnamed storm | Tropical storm | 40 mi | 65 mph |
Federal disaster declarations covering Escambia County
Since 1970, FEMA has issued 39 federal declarations covering Escambia 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)
- September 29, 2022 · Hurricane Ian · Major disaster (DR-4673)
- September 24, 2022 · Tropical Storm Ian · Emergency (EM-3584)
- August 16, 2021 · Tropical Storm Fred · Emergency (EM-3562)
All 39 declarations
- 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 9, 2018 · Hurricane Michael · Emergency (EM-3405)
- October 8, 2017 · Hurricane Nate · Emergency (EM-3395)
- 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)
- 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)
- May 16, 2001 · Fl - Escambia Fire Complex - 05/16/01 · Fire management (FM-2361)
- October 3, 2000 · Tropical Storm Helene · Major disaster (DR-1344)
- September 28, 1998 · Hurricane Georges · Major disaster (DR-1249)
- September 25, 1998 · Hurricane Grorges · Emergency (EM-3131)
- 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 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)
- March 24, 1979 · Severe Storms & Flooding · Emergency (EM-3075)
- July 3, 1970 · Heavy Rains & Flooding · Major disaster (DR-289)
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.
Pensacola Public Adjusters
Homeland serves Pensacola 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.
Pensacola resources after a property loss
The offices a Pensacola 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 Escambia 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?