Denied or Underpaid Fire Claim?
If your fire claim was denied or felt low, Florida law often allows reopening or supplementation.
Fire claim denials and underpayments are common — and frequently reversible. We re-document the loss, re-present the claim, and pursue the line-items the original handling missed. Smoke remediation, ALE, contents, and code-upgrades are the most common gaps.
What we see most.
Denied based on origin determination
Cause-of-fire investigations are sometimes incomplete or contested. Independent fire investigation can shift the determination.
Underpaid contents claim
Common pattern — visible items paid, hidden or forgotten items missed. Supplementation often available.
ALE cut off prematurely
Insurers sometimes terminate ALE before the home is actually habitable. We push to restore.
Where we add the most value.
Origin and cause re-investigation
Independent fire investigation can reverse denials based on contested origin determinations.
Smoke damage beyond visible areas
HVAC, ductwork, soft contents, attic insulation — often missed in initial handling.
Code-upgrade requirements during rebuild
Florida Building Code requirements for hurricane straps, electrical, plumbing during structural rebuild.
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 denied or underpaid fire claim?.
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