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 Vero Beach: Yes. Wherever you are in Vero Beach, a licensed Homeland public adjuster comes to your property within hours — no need to visit an office. Call (772) 807-3777, 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.
Nearby areas we serve: Public adjuster in Port St Lucie · Public adjuster in Stuart · All Florida cities and counties
Experienced Public Adjusters Serving Vero Beach Property Owners
Vero Beach is part of our Indian River County public adjuster services.
Vero Beach's location on Florida's Treasure Coast puts it within reach of Space Coast launch activity to the north. It's an uncommon cause of loss, but on rare occasions debris from a rocket launch or reentry has damaged nearby property, and claims of that kind are typically handled the same way as other sudden, falling-object damage.
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Indian River County Storm and Claim History
- Hurricane Frances made landfall near Hutchinson Island on September 5, 2004, as a Category 2 storm, and the National Weather Service estimated a storm surge of about 8 feet near Vero Beach — among the highest surge estimates recorded anywhere along the Treasure Coast, per the National Hurricane Center's official storm report.
- Just three weeks later, Hurricane Jeanne crossed the coast at nearly the same spot on September 26, 2004. A Florida Coastal Monitoring Program station in Vero Beach measured a wind gust of 106 kt (about 122 mph), one of the highest gusts recorded in the state during that storm.
- In Indian River County, 5,924 insurance claims were filed after Hurricane Irma (2017), according to Florida Office of Insurance Regulation data; a National Weather Service Melbourne damage survey found an estimated $1.5 million in storm damage countywide, including 6 structures with major damage.
- Hurricane Nicole made landfall on North Hutchinson Island, just south of Vero Beach, early on November 10, 2022, with maximum sustained winds estimated at 75 mph, according to the National Hurricane Center.
- After Hurricane Milton, the President declared a major disaster for Florida on October 11, 2024 (FEMA-4834-DR), and Indian River County was among the counties designated for FEMA Individual Assistance.
- Average homeowners insurance premium in Indian River County: $4,334 a year with wind coverage, $2,744 without; condominium unit owners $2,086 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 Vero Beach
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Vero Beach.
Flood Damage
Storm surge and flood losses in Vero Beach, 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 Vero Beach homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Vero Beach businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Vero Beach 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 (772) 807-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free prep and advocacy app for property owners. Vero Beach 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 Vero Beach Claims Team Working for Policyholders
Since 2006, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Vero Beach, 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
Vero Beach 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. Vero Beach 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 Vero Beach. Llámenos al 772-807-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (772) 807-3777
In the News Near Vero Beach, FL
Vero Beach Public Adjuster FAQs
Vero Beach 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 storm-surge claims in Vero Beach?▶
Yes. Vero Beach has a long surge history: the National Weather Service estimated about 8 feet of surge near Vero Beach in Hurricane Frances in 2004, and Nicole came ashore just south of the city in 2022. Homeland documents surge, wind and water damage and handles the claim for you; call our local line 24/7 at (772) 807-3777.
Does Homeland handle hurricane and storm claims in Vero Beach?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Indian River County is within Florida’s hurricane-prone coastal region, and we help Vero Beach property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
Who’s the best public adjuster you can recommend in Vero Beach?▶
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 Vero Beach.
Who is actually going to handle my case?▶
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.
What percentage 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 me more money from my insurance?▶
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.
Is there a public adjuster near me in Vero Beach?▶
Yes. A licensed Homeland public adjuster comes to your property in Vero Beach, and anywhere in Indian River County, including Port St Lucie. Our office is in Miami Lakes (visits by appointment), but you don’t need to go there. Call (772) 807-3777, 24/7, in English or Spanish.
My insurance won’t pay. Who do I call?▶
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.
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.
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 Vero Beach: burst pipes, AC leaks, roof leaks and flooding. We document the damage, check which policy applies and handle the claim for you. Call (772) 807-3777, 24/7.
By Nelson Avila
Storm history near Vero Beach
Since 1851, 59 tropical storms and hurricanes have passed within 50 miles of Vero Beach, 25 of them hurricanes at their closest point, plus 21 tropical depressions and post-tropical storms. The strongest at its closest point was Matthew (2016), a Category 3 hurricane 40 miles away. Scroll to follow the storms that shaped the area.
Nicole · 2022
At its closest point on November 10, 2022, Nicole was a Category 1 hurricane about 2 miles from Vero Beach, with winds near 75 mph.
Ian · 2022
At its closest point on September 29, 2022, Ian was a tropical storm about 39 miles from Vero Beach, with winds near 70 mph.
Matthew · 2016
At its closest point on October 7, 2016, Matthew was a Category 3 hurricane about 40 miles from Vero Beach, with winds near 125 mph.
Wilma · 2005
At its closest point on October 24, 2005, Wilma was a Category 3 hurricane about 48 miles from Vero Beach, with winds near 115 mph.
Unnamed hurricane · 1928
At its closest point on September 17, 1928, Unnamed hurricane was a Category 3 hurricane about 47 miles from Vero Beach, with winds near 125 mph.
All 80 storms within 50 miles
| Year | Storm | At closest point | Distance | Winds |
|---|---|---|---|---|
| 2022 | Nicole | Category 1 hurricane | 2 mi | 75 mph |
| 2022 | Ian | Tropical storm | 39 mi | 70 mph |
| 2020 | Isaias | Tropical storm | 46 mi | 70 mph |
| 2019 | Three | Tropical depression | 37 mi | 35 mph |
| 2017 | Emily | Tropical depression | 10 mi | 35 mph |
| 2016 | Matthew | Category 3 hurricane | 40 mi | 125 mph |
| 2016 | Julia | Tropical depression | 4 mi | 35 mph |
| 2008 | Fay | Tropical storm | 23 mi | 60 mph |
| 2006 | Ernesto | Tropical storm | 24 mi | 40 mph |
| 2005 | Wilma | Category 3 hurricane | 48 mi | 115 mph |
| 2005 | Tammy | Tropical storm | 29 mi | 45 mph |
| 2004 | Jeanne | Category 3 hurricane | 26 mi | 110 mph |
| 2004 | Frances | Category 2 hurricane | 23 mi | 95 mph |
| 1999 | Irene | Category 1 hurricane | 17 mi | 75 mph |
| 1995 | Jerry | Tropical storm | 23 mi | 40 mph |
| 1995 | Erin | Category 1 hurricane | 4 mi | 85 mph |
| 1994 | Gordon | Tropical storm | 6 mi | 60 mph |
| 1988 | Keith | Tropical storm | 47 mi | 40 mph |
| 1988 | Chris | Tropical storm | 31 mi | 45 mph |
| 1985 | Bob | Tropical storm | 3 mi | 50 mph |
| 1984 | Unnamed storm | Tropical depression | 36 mi | 30 mph |
| 1984 | Isidore | Tropical storm | 24 mi | 50 mph |
| 1983 | Barry | Tropical depression | 19 mi | 35 mph |
| 1981 | Dennis | Tropical storm | 36 mi | 40 mph |
| 1981 | Unnamed storm | Tropical depression | 3 mi | 30 mph |
| 1979 | David | Category 2 hurricane | 2 mi | 100 mph |
| 1979 | Unnamed storm | Tropical depression | 50 mi | 35 mph |
| 1976 | Dottie | Tropical storm | 22 mi | 45 mph |
| 1976 | Unnamed storm | Tropical depression | 40 mi | 25 mph |
| 1974 | Unnamed storm | Tropical storm | 28 mi | 60 mph |
| 1971 | Unnamed storm | Tropical depression | 41 mi | 30 mph |
| 1969 | Jenny | Tropical depression | 43 mi | 35 mph |
| 1969 | Gerda | Tropical depression | 16 mi | 30 mph |
| 1968 | Dolly | Tropical depression | 7 mi | 35 mph |
| 1968 | Brenda | Tropical depression | 50 mi | 35 mph |
| 1968 | Abby | Tropical storm | 38 mi | 70 mph |
| 1964 | Isbell | Category 1 hurricane | 45 mi | 90 mph |
| 1964 | Cleo | Tropical storm | 14 mi | 55 mph |
| 1962 | Alma | Tropical depression | 8 mi | 35 mph |
| 1960 | Florence | Tropical storm | 12 mi | 60 mph |
| 1959 | Judith | Tropical storm | 44 mi | 55 mph |
| 1956 | Unnamed storm | Tropical storm | 19 mi | 60 mph |
| 1954 | Unnamed storm | Tropical depression | 18 mi | 35 mph |
| 1953 | Hazel | Tropical storm | 5 mi | 70 mph |
| 1953 | Unnamed storm | Tropical storm | 13 mi | 40 mph |
| 1952 | Unnamed storm | Tropical storm | 44 mi | 65 mph |
| 1951 | How | Tropical storm | 12 mi | 60 mph |
| 1950 | King | Category 1 hurricane | 47 mi | 90 mph |
| 1949 | Unnamed hurricane | Category 2 hurricane | 48 mi | 110 mph |
| 1948 | Unnamed hurricane | Category 1 hurricane | 30 mi | 90 mph |
| 1946 | Unnamed storm | Tropical depression | 35 mi | 35 mph |
| 1939 | Unnamed hurricane | Category 1 hurricane | 22 mi | 75 mph |
| 1933 | Unnamed hurricane | Category 3 hurricane | 35 mi | 110 mph |
| 1933 | Unnamed storm | Tropical storm | 38 mi | 65 mph |
| 1928 | Unnamed hurricane | Category 3 hurricane | 47 mi | 125 mph |
| 1928 | Unnamed hurricane | Category 1 hurricane | 7 mi | 85 mph |
| 1926 | Unnamed hurricane | Category 2 hurricane | 23 mi | 105 mph |
| 1925 | Unnamed storm | Post-tropical storm | 24 mi | 60 mph |
| 1921 | Unnamed storm | Tropical storm | 35 mi | 40 mph |
| 1916 | Unnamed storm | Tropical depression | 23 mi | 35 mph |
| 1915 | Unnamed storm | Tropical storm | 46 mi | 70 mph |
| 1909 | Unnamed storm | Tropical depression | 41 mi | 35 mph |
| 1909 | Unnamed storm | Tropical storm | 49 mi | 40 mph |
| 1898 | Unnamed storm | Tropical depression | 29 mi | 35 mph |
| 1896 | Unnamed storm | Tropical storm | 7 mi | 40 mph |
| 1893 | Unnamed hurricane | Category 3 hurricane | 44 mi | 120 mph |
| 1892 | Unnamed storm | Tropical storm | 31 mi | 45 mph |
| 1891 | Unnamed storm | Post-tropical storm | 41 mi | 35 mph |
| 1891 | Unnamed storm | Tropical storm | 28 mi | 45 mph |
| 1889 | Unnamed storm | Tropical storm | 27 mi | 45 mph |
| 1888 | Unnamed storm | Tropical storm | 48 mi | 45 mph |
| 1885 | Unnamed hurricane | Category 1 hurricane | 18 mi | 85 mph |
| 1880 | Unnamed hurricane | Category 2 hurricane | 34 mi | 105 mph |
| 1878 | Unnamed storm | Tropical storm | 49 mi | 45 mph |
| 1876 | Unnamed hurricane | Category 1 hurricane | 2 mi | 90 mph |
| 1873 | Unnamed hurricane | Category 2 hurricane | 20 mi | 95 mph |
| 1871 | Unnamed hurricane | Category 2 hurricane | 5 mi | 105 mph |
| 1871 | Unnamed hurricane | Category 2 hurricane | 29 mi | 100 mph |
| 1870 | Unnamed hurricane | Category 1 hurricane | 18 mi | 75 mph |
| 1861 | Unnamed storm | Tropical storm | 27 mi | 60 mph |
Federal disaster declarations covering Indian River County
Since 1977, FEMA has issued 33 federal declarations covering Indian River 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)
- 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)
- August 1, 2020 · Hurricane Isaias · Emergency (EM-3533)
- October 21, 2019 · Hurricane Dorian · Major disaster (DR-4468)
All 33 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 8, 2016 · Hurricane Matthew · Major disaster (DR-4283)
- October 6, 2016 · Hurricane Matthew · Emergency (EM-3377)
- 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)
- 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)
- September 14, 1999 · Hurricane Floyd Emergency Declarations · Emergency (EM-3143)
- April 27, 1999 · Fl-Fires 04/15/99 · Emergency (EM-3139)
- April 15, 1999 · Okeechobee Fire Complex · Fire management (FM-2251)
- June 18, 1998 · Extreme Fire Hazard · Major disaster (DR-1223)
- January 15, 1990 · Severe Freeze · Major disaster (DR-851)
- March 18, 1985 · Severe Freeze · Major disaster (DR-732)
- 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.
Vero Beach Public Adjusters
Homeland serves Vero Beach property owners, available 24/7 by phone at (772) 807-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey.
Vero Beach resources after a property loss
The offices a Vero Beach 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 Indian River 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?