Maximize your insurance claim. Get every dollar you're owed.
We work for you — not the insurance company. Florida homeowners with a public adjuster settle 3–5× higher on average. No recovery, no fee.
Three steps from damage to settlement.
No paperwork from you. No fee unless we recover money for you.
Tell us about your damage
Free, 60-second claim review. Snap a photo, share what happened — we'll take it from there.
We document everything they missed
A licensed adjuster inspects your property in person and builds an itemized claim — with photos, code references, and contractor estimates.
We negotiate. You only pay if we win
We handle all back-and-forth with the insurer. You only pay a percentage of additional money we recover — never out of pocket.
Homeowners with a public adjuster settle 3–5× higher on average.
The insurance company has its own adjuster — and that adjuster works for them. We work for you. Same claim, same damage, dramatically different outcome.
Source: Florida OPPAGA Report 11-06; industry settlement studies.
Every type of property damage claim, handled.
Hurricane & Wind Damage
When the storm passes, your real fight begins — with your insurer.
Water Damage, Maximized
Sudden and accidental water damage from any source — we document the full extent your insurer overlooked.
Roof Damage
Wind, hail, hurricane, or wear-and-tear — when a roof claim gets underpaid or denied, that's where we come in.
Fire & Smoke Damage
From electrical fires to kitchen flares to wildfire smoke — fire claims have more hidden coverage than most homeowners realize.
Mold Damage
Mold from a covered water event is usually covered — but insurers exclude, undervalue, and deny it more than any other class.
Hurricane Claim Reopening & Supplements
Already settled a hurricane claim and found it didn't cover enough? Florida law often allows reopening or supplementing.
Sinkhole Damage
Florida sinkhole claims have unique evidentiary requirements and unique insurer playbooks.
Florida Homeowner Insurance
Every covered loss is different.
Theft & Vandalism
After a break-in or vandalism event, contents claims get underpaid through depreciation games and incomplete inventories.
Drain Pipe & Sewer-Line
Drain failures cause some of Florida's worst hidden water damage — and insurers split hairs on coverage triggers.
Supply Line Break
Toilet supply lines, washing machine hoses, ice maker lines — small failures, massive damage.
AC Leak & HVAC Water Damage
AC condensate failures cause some of Florida's most common — and most underpaid — water claims.
Three things most public adjusters get wrong.
We answer the phone — even after a hurricane.
When a major storm rolls through Florida, every public adjuster's voicemail fills up. Ours doesn't. We staff a 24/7 hurricane-response line during named-storm windows and call you back within an hour, period.
- Live response within 1 hour during storm season
- Bilingual team — habla español
- Direct cell line to your assigned adjuster
We document what their adjuster won't.
The insurer's adjuster is paid to find reasons to pay you less. We're paid to find every line-item they missed — hidden moisture, code-required upgrades, matching-tile rules, contents you forgot. Itemized down to the nail.
- Moisture mapping & thermal imaging on every inspection
- Florida Building Code compliance estimates included
- Photo + video record you keep forever
You don't pay unless we recover.
Our fee is a percentage of additional money we recover for you — never out of your pocket. If we don't increase your settlement, you owe us nothing. Your interests and ours are the same.
- No upfront fees. No retainer. Ever.
- Florida-statute-compliant fee cap
- Transparent contract — no surprises
We serve five Florida counties.
From Naples to West Palm Beach — local adjusters, local knowledge of your insurer and your housing stock.
They were offered less. Then they called us.
“Our insurance offered $11,000 for hurricane damage. Munra came out, documented everything, and we settled at $58,400. They handled every call so I didn't have to.”
“I had been fighting with my insurance company for 4 months. Munra took it over and got it settled in 6 weeks. Spanish-speaking team made the process so much easier for my parents.”
“Citizens denied my mold claim — full stop. Munra reopened it, brought in their own engineer, and reversed the denial. We never would have known what to do without them.”
Everything Florida homeowners ask first.
Don't accept less than you're owed.
Free claim review. No obligation. Florida-licensed adjusters standing by 24/7 during storm season.
No recovery, no fee · Bilingual team · Available 24/7 in storm season