Sinkhole Damage Claims.
Florida sinkhole claims have unique evidentiary requirements and unique insurer playbooks. We know both.
Florida is the sinkhole capital of the country, and sinkhole claims have their own legal and insurance framework. The 'catastrophic ground cover collapse' coverage is mandatory; broader 'sinkhole loss' coverage is optional and often confused. We navigate which applies, coordinate geotechnical investigations, and contest the routine denials that follow from incomplete testing.
What we see most.
Visible cracking and floor unevenness
Often the first sign. Distinguishing settlement from sinkhole activity requires geotechnical testing — which insurers should fund but often resist.
Catastrophic ground cover collapse event
Visible depression, building condemned. Coverage typically clear; payout scope and ALE often disputed.
Denial after insurer's geotechnical report
Insurer-funded geotech often concludes 'not sinkhole.' Independent testing frequently reaches different conclusions.
Where we add the most value.
Coverage type: ground cover collapse vs. sinkhole loss
Two different coverages with two different triggers. Most homeowners don't know which they have.
Geotechnical investigation scope
Number of borings, depth, lab analysis — insurer testing is often minimal. We push for adequate scope.
Repair vs. replacement determination
Grouting/underpinning vs. structural rebuild — the choice determines the claim size dramatically.
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 sinkhole 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