Theft & Burglary Insurance Claims.
Theft claims live or die on inventory completeness. We build the documentation insurers don't volunteer.
After a burglary, the immediate priorities are safety and police reporting. The insurance claim comes next — and that's where the work begins. We help build complete itemized inventories, navigate sub-limits, and pursue scheduled-items coverage where applicable.
What we see most.
Home burglary with high-value items taken
Electronics, jewelry, cash, firearms — each often has its own sub-limit. We maximize within limits and pursue rider coverage.
Vehicle burglary with personal items
Items stolen from your vehicle are often covered under homeowner contents (not auto). Frequently missed.
Theft during a move or while in storage
Specific coverage provisions apply. We help navigate which policy section is invoked.
Where we add the most value.
Sub-limits on cash, jewelry, firearms, electronics
Typical caps: $200 cash, $1,500 jewelry, $2,500 firearms, $5,000 business property. Scheduled-items riders may extend.
RCV vs. ACV settlement
If you have RCV contents coverage, ACV-only payouts are often inappropriate.
Mitigation costs
Lock replacement, security upgrades, temporary boarding — often covered separately.
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 theft & burglary 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