A/C Leak & HVAC Water Damage Claims.
AC condensate failures cause some of Florida's most common — and most underpaid — water claims.
Florida's humidity makes AC condensate management a frequent failure point. Pan overflows, clogged drain lines, and air handler leaks cause ceiling damage, drywall failure, and mold. Coverage outcomes depend heavily on cause documentation — and on whether you push past the insurer's initial 'maintenance' framing.
What we see most.
Upstairs air handler pan overflow
Pan rusts through or drain clogs, water pours through ceiling. Drywall, insulation, ceiling fan, and downstairs flooring all affected.
Condensate line clog and slow drip
Often blamed on maintenance — but clogs happen, and the damage from a clog is typically a covered sudden loss as long as you address it promptly.
Failed evaporator coil leak
Refrigerant leaks can cause both water damage (from condensation) and contents damage. Multiple coverage triggers.
Where we add the most value.
Maintenance vs. sudden-event framing
Insurers default to 'maintenance' to deny. We re-frame the actual failure event and timeline.
Ceiling drywall replacement extent
Wet ceiling drywall must be removed back to dry studs — usually a full ceiling section, not just the stained area. Insurers underpay this routinely.
Contents directly below leak
Furniture, bedding, electronics — all eligible for damage even if the impact isn't visually dramatic.
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.
About a/c leak & hvac water damage claims.
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.”
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