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 Sebring: Yes. Wherever you are in Sebring, a licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (863) 485-3777, 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 Sebring Property Owners
Sebring is part of the area covered by our Central Florida public adjusters.
Homeland also serves property owners throughout the rest of Highlands County, including Avon Park, Lake Placid, Venus, and the county's smaller farming communities.
Request A Free Claim Evaluation
Highlands County Storm and Claim History
- Hurricane Irma made Highlands County the state's second-hardest-hit county, after Monroe County (the Florida Keys), FOX 13 News reported. More than 13,000 homes were affected, 90 percent of the county lost power at one point, and growers across the county's more than eight million orange trees lost an estimated 50 to 70 percent of their crop.
- A severe storm on the night of May 6, 2025 damaged three homes at the Francis I Mobile Home Park in Sebring — one roof was torn off and others had siding and screens stripped away, FOX 13 News reported. Highlands County Emergency Management logged one minor injury, and the National Weather Service reviewed whether a tornado or a downburst caused it.
- During Hurricane Milton in October 2024, Sebring Regional Airport recorded sustained winds of 42 knots with a gust of 63 knots, according to the National Hurricane Center.
- Highlands County was designated for FEMA Individual Assistance in the Hurricane Milton major disaster declaration, FEMA-4834-DR, declared October 11, 2024.
- Average homeowners insurance premium in Highlands County: $2,736 a year with wind coverage, $1,599 without; condominium unit owners $1,082 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 Sebring
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Sebring.
Flood Damage
Storm surge and flood losses in Sebring, 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 Sebring homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Sebring businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Sebring 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 (863) 485-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Sebring 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 Sebring Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Sebring, 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
Sebring 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. Sebring 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 Sebring. Llámenos al 863-485-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (863) 485-3777
In the News Near Sebring, FL
Sebring Public Adjuster FAQs
Sebring 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 mobile home claims in Sebring?▶
Yes. Highlands County was among the hardest-hit counties in Irma and was designated for FEMA assistance after Milton, and storms have torn roofs off mobile homes in Sebring. Homeland documents wind and roof damage and handles the claim with your insurer; call our local line 24/7 at (863) 485-3777.
Does Homeland handle hurricane and storm claims in Sebring?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Highlands County can see significant wind damage and inland flooding during hurricanes and tropical storms, and we help Sebring property owners document that damage.
Does Homeland serve Avon Park, Lake Placid, and Venus too?▶
Yes. Homeland represents property owners throughout Highlands County, not just Sebring itself, including Avon Park, Lake Placid, Venus, and the surrounding farming communities.
Who is the best public adjuster in Sebring?▶
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 Sebring.
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 Sebring and look at the damage?▶
Yes. A licensed Homeland public adjuster comes to your property in Sebring, and anywhere in Highlands County. Our office is in Miami Lakes (visits by appointment), but you don’t need to go there. Call (863) 485-3777, 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.
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 Sebring: burst pipes, AC leaks, roof leaks and flooding. We document the damage, check which policy applies and handle the claim for you. Call (863) 485-3777, 24/7.
Someone told me about Homeland. Are they any good?▶
Don’t take our word for it; check us. Every Homeland license is listed under Verify Homeland: Florida firm license W818638, named licensed adjusters, BBB Accredited Business with an A+ rating, serving property owners since 2006. Read the results and reviews, and ask us who will handle your claim before you sign.
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.
By Nelson Avila
Storm history near Sebring
Since 1851, 49 tropical storms and hurricanes have passed within 50 miles of Sebring, 19 of them hurricanes at their closest point, plus 17 tropical depressions and post-tropical storms. The strongest at its closest point was Charley (2004), a Category 2 hurricane 24 miles away. Scroll to follow the storms that shaped the area.
Milton · 2024
At its closest point on October 10, 2024, Milton was a Category 1 hurricane about 32 miles from Sebring, with winds near 90 mph.
Ian · 2022
At its closest point on September 29, 2022, Ian was a Category 1 hurricane about 4 miles from Sebring, with winds near 95 mph.
Irma · 2017
At its closest point on September 11, 2017, Irma was a Category 1 hurricane about 29 miles from Sebring, with winds near 85 mph.
Charley · 2004
At its closest point on August 13, 2004, Charley was a Category 2 hurricane about 24 miles from Sebring, with winds near 110 mph.
Unnamed hurricane · 1928
At its closest point on September 17, 1928, Unnamed hurricane was a Category 2 hurricane about 2 miles from Sebring, with winds near 110 mph.
All 66 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2024 | Milton | Category 1 hurricane | 32 mi | 90 mph |
| 2022 | Nicole | Tropical storm | 32 mi | 65 mph |
| 2022 | Ian | Category 1 hurricane | 4 mi | 95 mph |
| 2017 | Irma | Category 1 hurricane | 29 mi | 85 mph |
| 2017 | Emily | Tropical depression | 3 mi | 35 mph |
| 2008 | Fay | Tropical storm | 31 mi | 65 mph |
| 2006 | Ernesto | Tropical storm | 39 mi | 40 mph |
| 2004 | Jeanne | Category 1 hurricane | 11 mi | 90 mph |
| 2004 | Frances | Category 1 hurricane | 15 mi | 75 mph |
| 2004 | Charley | Category 2 hurricane | 24 mi | 110 mph |
| 2001 | Gabrielle | Tropical storm | 39 mi | 55 mph |
| 1995 | Jerry | Tropical storm | 27 mi | 40 mph |
| 1995 | Erin | Tropical storm | 38 mi | 70 mph |
| 1994 | Gordon | Tropical storm | 23 mi | 55 mph |
| 1988 | Keith | Tropical storm | 22 mi | 45 mph |
| 1984 | Unnamed storm | Tropical depression | 11 mi | 30 mph |
| 1984 | Isidore | Tropical storm | 18 mi | 50 mph |
| 1983 | Barry | Tropical depression | 14 mi | 30 mph |
| 1981 | Dennis | Tropical storm | 28 mi | 40 mph |
| 1976 | Unnamed storm | Tropical depression | 37 mi | 15 mph |
| 1971 | Unnamed storm | Tropical depression | 16 mi | 30 mph |
| 1969 | Jenny | Tropical depression | 12 mi | 35 mph |
| 1969 | Gerda | Tropical depression | 47 mi | 30 mph |
| 1968 | Unnamed storm | Tropical depression | 40 mi | 30 mph |
| 1968 | Brenda | Tropical depression | 13 mi | 30 mph |
| 1968 | Abby | Tropical storm | 11 mi | 50 mph |
| 1960 | Florence | Tropical storm | 13 mi | 40 mph |
| 1960 | Donna | Category 1 hurricane | 25 mi | 95 mph |
| 1959 | Judith | Tropical storm | 43 mi | 60 mph |
| 1956 | Unnamed storm | Tropical storm | 46 mi | 60 mph |
| 1953 | Hazel | Category 1 hurricane | 24 mi | 75 mph |
| 1951 | How | Tropical storm | 33 mi | 55 mph |
| 1950 | King | Category 1 hurricane | 19 mi | 90 mph |
| 1949 | Unnamed hurricane | Category 1 hurricane | 3 mi | 95 mph |
| 1946 | Unnamed storm | Tropical depression | 22 mi | 35 mph |
| 1945 | Unnamed hurricane | Category 1 hurricane | 20 mi | 85 mph |
| 1939 | Unnamed storm | Tropical storm | 16 mi | 65 mph |
| 1933 | Unnamed hurricane | Category 1 hurricane | 9 mi | 85 mph |
| 1933 | Unnamed storm | Tropical storm | 30 mi | 50 mph |
| 1928 | Unnamed hurricane | Category 2 hurricane | 2 mi | 110 mph |
| 1928 | Unnamed storm | Tropical storm | 40 mi | 55 mph |
| 1925 | Unnamed storm | Post-tropical storm | 25 mi | 60 mph |
| 1921 | Unnamed storm | Tropical depression | 6 mi | 35 mph |
| 1916 | Unnamed storm | Tropical depression | 42 mi | 35 mph |
| 1916 | Unnamed storm | Tropical storm | 16 mi | 45 mph |
| 1910 | Unnamed hurricane | Category 1 hurricane | 28 mi | 80 mph |
| 1909 | Unnamed storm | Tropical depression | 10 mi | 35 mph |
| 1909 | Unnamed storm | Tropical storm | 10 mi | 40 mph |
| 1906 | Unnamed storm | Tropical depression | 14 mi | 35 mph |
| 1903 | Unnamed storm | Tropical storm | 34 mi | 65 mph |
| 1901 | Unnamed storm | Tropical storm | 49 mi | 45 mph |
| 1898 | Unnamed storm | Tropical depression | 8 mi | 35 mph |
| 1897 | Unnamed storm | Tropical storm | 20 mi | 55 mph |
| 1896 | Unnamed storm | Tropical storm | 39 mi | 45 mph |
| 1894 | Unnamed hurricane | Category 1 hurricane | 17 mi | 85 mph |
| 1892 | Unnamed storm | Tropical storm | 29 mi | 50 mph |
| 1891 | Unnamed storm | Post-tropical storm | 12 mi | 35 mph |
| 1888 | Unnamed storm | Tropical storm | 2 mi | 40 mph |
| 1878 | Unnamed storm | Tropical storm | 48 mi | 45 mph |
| 1873 | Unnamed hurricane | Category 2 hurricane | 17 mi | 105 mph |
| 1871 | Unnamed hurricane | Category 1 hurricane | 50 mi | 90 mph |
| 1871 | Unnamed hurricane | Category 1 hurricane | 22 mi | 90 mph |
| 1861 | Unnamed storm | Tropical storm | 28 mi | 60 mph |
| 1859 | Unnamed hurricane | Category 1 hurricane | 50 mi | 90 mph |
| 1859 | Unnamed storm | Tropical storm | 28 mi | 45 mph |
| 1858 | Unnamed storm | Tropical storm | 45 mi | 60 mph |
Federal disaster declarations covering Highlands County
Since 1977, FEMA has issued 35 federal declarations covering Highlands County for storms, floods, winter weather, freezes and fires.
- October 11, 2024 · Hurricane Milton · Major disaster (DR-4834)
- October 7, 2024 · Hurricane Milton · Emergency (EM-3622)
- August 10, 2024 · Hurricane Debby · Major disaster (DR-4806)
- August 3, 2024 · Tropical Storm Debby · Emergency (EM-3605)
- December 13, 2022 · Hurricane Nicole · Major disaster (DR-4680)
- November 8, 2022 · Tropical Storm Nicole · Emergency (EM-3587)
- September 29, 2022 · Hurricane Ian · Major disaster (DR-4673)
- September 24, 2022 · Tropical Storm Ian · Emergency (EM-3584)
All 35 declarations
- August 30, 2019 · Hurricane Dorian · Emergency (EM-3419)
- September 10, 2017 · Hurricane Irma · Major disaster (DR-4337)
- September 5, 2017 · Hurricane Irma · Emergency (EM-3385)
- October 6, 2016 · Hurricane Matthew · Emergency (EM-3377)
- July 3, 2012 · Tropical Storm Debby · Major disaster (DR-4068)
- August 24, 2008 · Tropical Storm Fay · Major disaster (DR-1785)
- August 21, 2008 · Tropical Storm Fay · Emergency (EM-3288)
- June 27, 2007 · Okeechobee Fire Complex · Fire management (FM-2696)
- October 24, 2005 · Hurricane Wilma · Major disaster (DR-1609)
- September 5, 2005 · Hurricane Katrina Evacuation · Emergency (EM-3220)
- September 26, 2004 · Hurricane Jeanne · Major disaster (DR-1561)
- 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)
- September 28, 2001 · Severe Storms, Tornadoes and Flooding Associated with Tropical Storm Gabrielle · Major disaster (DR-1393)
- February 19, 2001 · Fl - Okeechobee Complex Fire · Fire management (FM-2354)
- February 5, 2001 · Severe Freeze · Major disaster (DR-1359)
- October 20, 1999 · Fl-Hurricane Irene-Dr-Req · Major disaster (DR-1306)
- October 15, 1999 · Tropical Storm Irene - Florida · Emergency (EM-3150)
- September 22, 1999 · Hurricane Floyd Major Disaster Declarations · Major disaster (DR-1300)
- April 27, 1999 · Fl-Fires 04/15/99 · Emergency (EM-3139)
- April 15, 1999 · Okeechobee Fire Complex · Fire management (FM-2251)
- 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)
- January 15, 1990 · Severe Freeze · Major disaster (DR-851)
- January 31, 1977 · Severe Winter Weather · Major disaster (DR-526)
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.
Sebring Public Adjusters
Homeland serves Sebring property owners, available 24/7 by phone at (863) 485-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey.
Sebring resources after a property loss
The offices a Sebring 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 Highlands County and state sources.
- Building permits and inspections
- Emergency management
- National Weather Service forecast office
- State insurance consumer help
Talk to a Public Adjuster
How Can We Help You Recover, or Prepare?