Contents Insurance Claims.
Furniture, electronics, clothing, personal property — the contents portion of any claim is the most-underpaid line.
Contents claims fail through incomplete inventories and inappropriate depreciation. Insurers benefit when items are forgotten or settled at ACV when RCV is owed. We build itemized inventories with category-specific replacement-cost documentation that hold up against insurer adjustments.
What we see most.
Fire or water damage requiring full inventory
Hundreds to thousands of items. Memory alone is insufficient; we use photos, receipts, and category-by-category recall.
High-value items with sub-limits
Jewelry, firearms, art, electronics — often capped under unscheduled coverage. We invoke scheduled-items coverage where applicable.
Soft contents with smoke or water damage
Clothing, mattresses, upholstered furniture — often requires replacement rather than cleaning.
Where we add the most value.
RCV vs. ACV election
If you have replacement-cost contents coverage, ACV-only settlements are often inappropriate. We claim RCV with replacement documentation.
Scheduled-items coverage
Jewelry, firearms, antiques riders. Check declarations page; these are often the highest-recovery items in a claim.
Receipt and photo-based reconstruction
Credit card history, bank records, social media photos — all build the inventory case.
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 contents insurance 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