Fire & Smoke Damage Claims.
From electrical fires to kitchen flares to wildfire smoke — fire claims have more hidden coverage than most homeowners realize.
Fire claims look simple — until you realize how much insurers leave on the table. Smoke remediation, additional living expenses (ALE), contents replacement, structure-related code upgrades, and the dozens of secondary damage items (HVAC contamination, ductwork, soft contents) are all underpaid by default. We re-document every category.
What we see most.
Kitchen fire with smoke throughout the house
Smoke travels through HVAC and migrates through soft surfaces — drapes, mattresses, clothing. Insurers often pay for visible damage and skip the systemic smoke contamination.
Electrical fire with hidden wire damage
Heat damage to wiring extends beyond visibly burned areas. Code-required inspection and replacement is a major coverage area frequently missed.
Wildfire smoke from a nearby event
Even smoke without direct fire can trigger valid claims — HVAC system contamination, contents impact, indoor air quality remediation.
Where we add the most value.
ALE (Additional Living Expenses)
Hotel, food, increased mileage, pet boarding — all reimbursable while your home is uninhabitable. Insurers often cap or underpay this.
Soft contents smoke remediation
Clothing, mattresses, upholstered furniture — smoke contamination requires professional cleaning or replacement. Frequently undervalued.
HVAC and ductwork contamination
Smoke pulled through HVAC systems contaminates ductwork. Requires professional cleaning or replacement — a 5-figure line item often missed.
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 fire & smoke 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