Hurricane Claim Reopening & Supplements.
Already settled a hurricane claim and found it didn't cover enough? Florida law often allows reopening or supplementing.
Florida specifically allows hurricane and named-storm claims to be reopened or supplemented when new damage is discovered, when original payouts were insufficient, or when code-upgrade work uncovered additional needs. The window is 3 years from the date of loss for supplements. We review and reopen.
What we see most.
Discovered additional damage during repair work
Common — contractor opens a wall and finds wet insulation, hidden roof damage, or missed structural issues. Supplements are typically available.
Settlement felt low at the time — and you took it anyway
Acceptance doesn't necessarily bar reopening if there are new facts. We review the claim file.
Original adjuster missed major scope items
Especially common with high-volume post-hurricane claims. We re-scope from current condition.
Where we add the most value.
3-year supplemental window (Florida)
Florida-specific statutory window for hurricane supplemental claims. Don't wait past this deadline.
Code-upgrade triggers from repair work
Once repair work begins, code requirements often trigger additional coverage.
Original payout sufficiency review
We compare original payout against actual repair costs to identify gaps.
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 hurricane claim reopening & supplements.
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