Oscar Mormeneo
Oscar Mormeneo Founder of HomeOwner Claims Public Adjuster, Inc. speaks during the Citizens Property Insurance Board of Governors meeting.

Oscar Mormeneo, a licensed Public Insurance Adjuster is a Consumer / Citizens Insurance Advocate in Florida; he has worked on all three (3) different capacities of Adjusters. A Staff/Employee licensed as Insurance Adjuster since 1979 until 1990 with a major insurer. In 1989 he obtained his 220 All Lines Agent’s Insurance license. In 1990 he practiced selling Insurance of all lines. He obtained his series 7 license to sell securities with a major insurer. Immediately after Hurricane Andrew, Oscar became an Independent Insurance Adjuster working for many insurance companies as a Catastrophe adjuster for hurricane Andrew claims as well as the daily claims known as other perils, such as: fire, water losses, and more…..

In 2004, Oscar sold his independent business and started working for Insurance Company as a Staff Property Adjuster, adjusting regular daily claims and catastrophe claims. In May of 2005, Oscar converted his license from a Staff Adjuster to become a Public (Private) Insurance Adjuster and founded HomeOwner Claims Public Adjusters, right before Hurricane Katrina and Wilma in 2005. He helped many property and business owners deal with the frustration of getting through their Insurance claims. To date, as a public adjuster, he continues to help property and business owners with their insurance claims making every step of the way Stress Free.

Oscar is licensed as an Unaffiliated Insurance Agent. He acts as an independent consultant in the business of analyzing or abstracting insurance policies, providing insurance advice or counseling, or making specific recommendations or comparisons of insurance products.

Oscar is Certified by the IICRC Institute of Inspection Cleaning and Restoration Certification in Water Damage Restoration, Odor Control, Applied Microbial Remediation, and Fire & Smoke Restoration. He is also a Certified Residential Thermographer.






Our company personnel have over 30 years of experience on all three (3) different capacities of the adjusting business; as a Professional Staff/Employee Insurance Company Adjuster, as an Independent Adjuster, and as a Public Insurance Adjuster. We are also certified as Insurance Appraiser and Insurance Umpire. We know the ins and outs of the claim process in the insurance industry


HomeOwner Claims Public Adjusters, Inc. is a licensed and bonded adjusting company, working for you the policyholder’s best interest. We at HomeOwner Claims Public Adjusters strive to adjust and maximize your insurance claim so that you receive the highest possible settlement provided by your insurance policy coverage to adequately repair the damages sustained to your personal or business property.

Do you think your insurance policy is written in English? You know the answer, it is written in “Insurance” language.
Do you think they want you to know what is covered? You know the answer to that too.

As with all of our claims, we strive for excellence and satisfaction through professional and ethical performance, which has earned us the reputation in the industry. HomeOwner Claims Public Adjusters continues to abide by these ethical statues and individual principles along with knowledge and competency in the field to provide you, the policyholder, with peace of mind through such difficult times.

We have the insurance knowledge (we speak “insurance”), we have many skills and expertise such as; construction knowledge, estimation of damage, Insurance Appraisals, Insurance Umpire, understand and decipher the insurance policies; we are up-to-date of current insurance laws and building codes. We have trained professionals, a bilingual staff, and a working affiliation with engineers, architects, general contractors, remediation and restoration companies, environmentalists, attorneys, and other industry expert professionals. Most importantly, remember, knowing the ins and outs of the claim process not only does it makes your claim process “STRESS FREE” but we reach a better settlement for you. We claim and defend what is rightfully yours!

Our clients experience professionalism from HomeOwner Claims Public Adjusters and will tell you that we adjust their claim reaching a fair and stress free settlement. They experienced tranquility and peace of mind, where they felt secured at all times by our representation. Our clients invested their time in their respective work and off time on their personal chores, and the fee they paid us, they said paid for itself.