Hurricane & Wind Damage Claims.
When the storm passes, your real fight begins — with your insurer. We make sure the settlement matches the damage.
Hurricane claims combine three insurer playbooks: high deductibles, named-storm exclusions, and 'pre-existing damage' denials. We've handled hundreds of hurricane claims across South Florida — from Ian through current season — and know exactly which line-items insurers underpay and which sections of the policy they invoke to do it.
What we see most.
Named-storm deductible higher than your damage estimate
Insurers calculate to your deductible, not above it. We re-scope to capture the full loss — almost always pushing past the deductible threshold to recovered cash.
Roof + interior + contents combined claim
Hurricane damage rarely stops at the roof. Wind-driven rain, debris impact, surge, and contents loss all combine. Insurers often split these and underpay each — we keep the claim whole.
Multi-month negotiations stuck in 'investigation'
Florida has strict timing requirements on insurer response. When a claim drags, that's leverage — we use it to escalate.
Where we add the most value.
Wind-driven rain interior damage
Often excluded incorrectly. If the storm created an opening (lifted shingle, blown window, torn soffit), interior water damage is typically covered.
Code-upgrade coverage triggers
Hurricane re-roofs often trigger Florida Building Code upgrades — additional bracing, hurricane straps, decking. These have their own coverage section many homeowners don't know to invoke.
Contents inventory adjacent to wet areas
Hurricane contents claims are frequently underpaid because no one inventories methodically. We do — every item, age, replacement cost.
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 & wind 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