Experienced Public Adjusters Serving St Augustine Property Owners
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St. Johns County Storm and Claim History
- Hurricane Matthew passed offshore on October 7, 2016. The National Weather Service in Jacksonville recorded wind gusts of 85 mph at the St. Augustine Pier, and storm surge overtopped the sea walls at St. Augustine Beach and the Castillo de San Marcos, with water crossing Anastasia Island at about 2.5 ft above ground; Summer Haven saw severe damage after a new inlet formed between Marineland and Matanzas Inlet.
- On September 29, 2022, Tropical Storm Ian pushed water over the seawall and flooded downtown St. Augustine, with A1A near the Bridge of Lions fully flooded, the Bridge of Lions shut down, and the Davis Shores neighborhood described as nearly impassable except for very tall trucks, according to News4JAX. A NOAA station at St. Augustine Beach recorded a gust of 61 mph.
- St. Johns County was designated for both Individual Assistance and Public Assistance in the federal major disaster declaration for Hurricane Nicole (FEMA DR-4680, declared December 13, 2022).
- During Hurricane Milton in October 2024, a St. Johns County fire station measured a peak gust of 70 mph, an observer along the coast near St. Augustine measured 9.52 inches of rain, and a National Weather Service survey found about 10 inches of surge along Coquina Avenue, Riberia Street and Duero Street.
- Milton damaged 40 homes and businesses in St. Johns County, with estimated county damages of $11 million, and the county was designated for FEMA Individual Assistance under the Milton declaration (FEMA-4834-DR).
- Average homeowners insurance premium in St. Johns County: $2,883 a year with wind coverage, $2,055 without; condominium unit owners $1,329 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 St Augustine
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in St Augustine.
Flood Damage
Storm surge and flood losses in St Augustine, 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 St Augustine homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for St Augustine businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for St Augustine 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 (904) 977-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free pre-loss membership and app for property owners. St Augustine owners can understand their policy, keep records ready, prepare before storm season, and have a licensed Homeland public adjuster assigned to their membership. 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. Hiring Homeland is optional and requires a separate written agreement.
Discover The Adjuster Advantage™
A St Augustine Claims Team Working for Policyholders
Since 2007, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve St Augustine, 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
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St Augustine 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. St Augustine 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 St Augustine. Llámenos al 904-977-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (904) 977-3777
In the News Near St Augustine, FL
St Augustine Public Adjuster FAQs
St Augustine 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 coastal flooding claims in St. Augustine?▶
Yes. Downtown St. Augustine has flooded over the seawall during Ian and taken surge on its streets again during Milton, while Matthew’s surge crossed Anastasia Island. Homeland documents flood, surge and wind damage, reviews which policy applies, and handles the claim for you. Call our local line 24/7 at (904) 977-3777.
Does Homeland handle hurricane and storm claims in St Augustine?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. St. Johns County is within Florida’s hurricane-prone coastal region, and we help St Augustine property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
How do I find a public adjuster near me after property damage in St Augustine?▶
Call Homeland directly for a free claim review. We serve St Augustine, available 24/7 by phone, and we handle claims across all of Florida and New Jersey.
Does it cost anything to hire Homeland?▶
Homeland’s fee is explained in your written agreement before you hire us, so you know the terms up front. We work on a no recovery, no fee basis.
By Nelson Avila
St Augustine Public Adjusters
Homeland serves St Augustine property owners, available 24/7 by phone at (904) 977-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey.
St Augustine resources after a property loss
The offices a St Augustine 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 St. Johns County and state sources.
- Building permits and inspections
- Property records and assessed value
- Emergency management
- National Weather Service forecast office
- State insurance consumer help