Why policyholders call Homeland Public Adjusters
Homeland Public Adjusters fights for policyholders on two fronts, licensed in both Florida and New Jersey and reachable 24/7 from its Miami Lakes headquarters. The pitch is simple and it is put in writing: no recovery, no fee, ever. You do not pay unless Homeland wins money you would not have seen on your own.
Homeland also offers clients a free Adjuster Advantage membership, which includes Policy Scan to decode your coverage and loyalty discounts.
The firm handles the losses that hurt most: hurricane, fire, flood, and water damage, vandalism, denied or underpaid claims, business interruption, and association and community property claims.
What a public adjuster does
A public adjuster is the only kind of adjuster licensed to work for you, the policyholder, not the insurance company. They document the loss, build a detailed scope and estimate, read the policy for coverage you may have missed, and negotiate the payout with the carrier, working on a percentage of what you recover.
A public adjuster is not a contractor and not an attorney: they cannot make repairs, file suit, or give legal advice. See what a public adjuster actually does and when to hire one.
The fee, in Florida
Florida caps a public adjuster's fee at 20% of the claim payment, dropping to 10% for claims from a declared state of emergency (Fla. Stat. § 626.854). The fee applies only to what the insurer pays; it may not be charged on your deductible.
Full fee guide → · Read your contract and the current statute.
Get the exact legal name and license (or NPN) number, then confirm an active public adjuster license in the state where your property sits. Do it on the official roster, never take the number on a business card at face value.
Florida Department of Financial Services licensee search →A public adjuster, or an attorney?
A public adjuster is the right call when the carrier agrees the loss is covered but the check is too low. When the carrier denies coverage outright, alleges misrepresentation, sits on the claim past the statutory deadlines, or acts in bad faith, that is legal territory a public adjuster cannot enter.
If your claim was denied rather than merely underpaid, start with a free attorney review; see public adjuster vs. attorney, why claims get denied, and the deadlines that protect your rights.
HurricaneLaw.Pro lists Homeland Public Adjusters from the state public-adjuster license roster. The profile is compiled from the firm's own public website and materials. We are not affiliated with Homeland Public Adjusters, and the listing is not a ranking or an endorsement. Confirm current licensing on the state roster above before you hire anyone. A firm that would like its listing updated or removed can reach us through the contact page. Not legal advice; consult an attorney about your specific claim.
Denied, not just underpaid? Talk to an attorney first.
Send the denial letter and your declarations page. You'll get a straight read on whether this is a valuation fight for an adjuster or a coverage fight that needs a lawyer.
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Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Nothing on this site is legal advice; consult an attorney about your specific claim.
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