Theft & Vandalism Claims.
After a break-in or vandalism event, contents claims get underpaid through depreciation games and incomplete inventories. We fix that.
Theft and vandalism claims fail in two ways: incomplete inventories and aggressive depreciation. Insurers benefit when you forget items or accept ACV (actual cash value) when RCV (replacement cost) was owed. We build complete itemized inventories with replacement-cost documentation that hold up against insurer adjustments.
What we see most.
Burglary with electronics, jewelry, and cash loss
High-value items often have sub-limits. Knowing those limits and how to invoke scheduled-items coverage (if you have it) is the difference between a 4-figure and 5-figure payout.
Vandalism with structural damage
Vandalism that damages walls, doors, windows triggers structure coverage on top of contents — and code-required repairs are often missed.
Squatter damage discovered on return
Unique class of vandalism claims with specific evidentiary requirements (police report, dates of occupancy). We handle the documentation.
Where we add the most value.
Sub-limits on jewelry, firearms, cash, electronics
Most policies cap these at $1,500-$5,000 unless separately scheduled. We help you maximize within limits and identify policy provisions that may extend coverage.
RCV vs. ACV settlement choice
Replacement Cost Value pays what it costs to replace today; Actual Cash Value depreciates. Many insurers default-offer ACV — RCV is often available with proof of replacement.
Structural and code repairs from vandalism
Broken doors, smashed windows, damaged drywall — structural items often go un-scoped in contents-focused claims.
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 & vandalism 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