Florida Homeowner Insurance Claims.
Every covered loss is different. The constant: insurers underpay unless you push. We push.
Munra handles every category of Florida homeowner claim — storm, water, fire, theft, mold, sinkhole, and the dozen smaller variants. Whatever the damage, the playbook is the same: document completely, scope correctly, hold the insurer to the policy. Free claim review on any type of loss.
What we see most.
Not sure what kind of claim you have
Start with a free claim review. We identify the right coverage section, the right scope, and the right approach — even if it ends up being something you can self-file.
Multiple damage types from one event
Hurricane causing roof + water + contents damage, for example. We keep the claim integrated rather than letting the insurer split and underpay.
Previously closed claim feeling incomplete
Florida law allows supplemental and reopened claims in many cases. We review and pursue where possible.
Where we add the most value.
Policy review and coverage identification
Many homeowners don't know what's in their own policy. We translate the declarations page and identify all applicable coverage.
Cause-of-loss documentation
Often the single most important determinant of coverage. We coordinate the right experts.
Complete scope, not visible scope
The signature work of a public adjuster — capturing what the insurer's field adjuster 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 florida homeowner 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