Water Damage Claims, Maximized.
Sudden and accidental water damage from any source — we document the full extent your insurer overlooked.
Water claims are the most contested kind in Florida. Insurers routinely undervalue them by isolating visible damage and ignoring hidden moisture, code-required tear-out, and matching rules. Our adjusters bring moisture mapping, thermal imaging, and itemized estimates — so the settlement reflects what it actually costs to put your home back together.
What we see most.
Pipe burst during a freeze or cold snap
Even Florida's rare cold snaps cause hundreds of supply-line failures. Sudden water under sinks, behind walls, or through ceilings is typically covered — but you need documentation of category, source, and the full footprint.
Slow leak you just discovered
Coverage hinges on the words 'sudden and accidental.' A leak that's been slow for weeks can still be a covered loss if you can prove when it became known — that's where photographic and moisture-mapped evidence wins.
Insurer offered the visible damage only
Common pattern: insurer pays for the wet drywall they can see, ignores the wet insulation behind it and the cabinet base that wicked the water up. We re-document the full loss.
Where we add the most value.
Hidden moisture behind walls and under flooring
Thermal imaging and moisture meters surface what visual inspection misses. We map the wet area, not the visible stain.
Florida Building Code-required tear-out
When wet drywall must be removed to a sister stud or wet flooring must be removed to the next transition, code dictates scope. Insurers underpay these systematically.
Matching-tile and continuous-surface rules
Florida's matching statute often requires replacement of an entire continuous flooring or tile run when part is damaged. This is a frequent line-item insurers exclude.
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 water damage claims, maximized.
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