Monarch Claims Consultants®

I represent you — never the insurance company.

My name is Caren Almuina. I'm a licensed Florida public adjuster, and I work for you — the homeowner, the policyholder, the person whose property was damaged and whose claim deserves to be taken seriously. I'll inspect your property at no cost, review your policy line by line, and if you have a valid claim, I'll fight to make sure it's paid fairly.

Schedule My Free Inspection Mobile: (305) 495-7177

Licensed FL Public Adjuster Lic. #W583930 No Recovery, No Fee

Accepting new clients

Caren Almuina

Licensed Public Adjuster · Florida

Lic. #W583930 · Monarch Claims Consultants®

What We Cover

If your property was damaged, I need to see it.

Most homeowners don't realize how much damage goes unreported — or underpaid. Whether it was a hurricane, a slow roof leak, or something you're not even sure counts, the inspection is free and the answer will be honest.

HURRICANE DAMAGE

The devastation caused by wind can inflict severe, often hidden damage that compromises your home's safety. Just as the severity of a hurricane can rarely be predicted accurately, neither can your damages.

WATER DAMAGE

Water intrusion is the most pervasive threat to property owners, typically originating from hidden sources like burst pipes, AC leaks, or water heater failures.

FROZEN PLUMBING

After a winter storm, frozen pipes can burst, leading to hidden water damage behind walls or cabinetry. When water freezes in pipes, it expands, causing pressure that can rupture them when it thaws.

FIRE DAMAGE

A fire can be triggered in many ways. Once ignited, it consumes everything in its path, which could include your home or business. Picking up the pieces of such a significant loss is a physically, emotionally, and psychologically-exhaustive task. One that you do not have to face alone.

MOLD DAMAGE

Mold is common in homes. There are several types of mold that grow within your home, some of which are toxic and severely hazardous to your health. When it appears, it is crucial to address it IMMEDIATELY.

HAIL DAMAGE

Hail Damage can harm your roof's integrity, causing leaks and other problems. Damage includes cracks, fractures, granule loss, bruising, punctures, and loosened flashing. Untreated, it leads to leaks, interior water damage, mold, and structural issues.

FLOOD DAMAGE

Storms and rising water levels cause floods, risking home water damage. Floods infiltrate buildings through doors, windows, cracks, and sewers, leading to structural, electrical, mold issues, and contamination.

VANDALISM

Vandalism violates both your property and your sense of security, whether it occurs while you're away or within the safety of your home. From broken windows and graffiti to intentional structural damage, these acts are typically covered under most insurance policies.

PROPERTY THEFT

Feeling vulnerable after a theft is natural, but your claims process shouldn't add to that stress. Whether dealing with stolen valuables, break-ins, or burglary, proper documentation is everything—yet insurance companies often make these claims unnecessarily difficult.

DENIED, DELAYED, & UNDERPAID CLAIMS

If your insurer has denied, delayed, or underpaid your claim, Caren will review your case to identify overlooked damages and fight to reopen it. Whether challenging a low-ball settlement or addressing a flat denial, Caren ensures your policy is honored and you receive the full recovery you're owed.

From Caren

Here's what I want you to understand

When your property is damaged, the insurance company sends their adjuster to protect their bottom line. That adjuster does not work for you. I do. As a licensed public adjuster with Monarch Claims Consultants, I am legally and ethically bound to represent your interests — and only yours. My inspection is free. My policy review is free. And if we move forward with a claim, I only get paid when you get paid.

— Caren Almuina, Lic. #W583930

Free Property Inspection

I'll come to your property, document every inch of damage, and give you an honest assessment — no charge, no strings, no sales pitch.

Free Policy Review

Most homeowners have never read their full policy. I will — cover to cover — and I'll explain what's covered, what's excluded, and what your rights are under Florida law.

Claim Advocacy — If Applicable

If the inspection and policy review reveal a valid claim — whether new, denied, or underpaid — I handle the entire process: documentation, negotiation, and settlement. You don't deal with the insurance company. I do.

No Recovery, No Fee

There is no hourly rate. No retainer. No hidden cost. I earn a fee only when your settlement is secured. My success is measured by yours.

How It Works

Three steps. Zero pressure.

Start with a free inspection. If there's no claim to pursue, you'll know — and it won't have cost you a thing.

Share the Basics

Your contact info and a few property details — so I can arrive at your inspection prepared, not guessing.

Describe What Happened

Type of damage, whether you've filed a claim, any insurance details you have — whatever you know is enough.

Pick a Time for Your Free Inspection

I'll come to your property, assess the damage in person, review your policy, and give you an honest answer about your options.

Get Started

Request your free inspection

Share a few details and I'll personally reach out within 24 hours to confirm your complimentary property inspection and policy review.

Contact

Property

Schedule

How can I reach you?

So I can personally confirm your inspection — even if you need to step away before finishing this form.

First Name

Last Name

Email Address

Mobile Phone

Your information is confidential and used only to schedule your free inspection.

Tell me about your property

This helps me arrive prepared with the right tools and the right questions — not a generic clipboard.

Property Address

Type of Damage

Property Type

Have you already filed a claim with your insurer?

Yes — claim is open

No — not yet

Claim Number (if available)

Has this claim been denied, delayed, or underpaid?

Yes

No / Not sure

Briefly describe what happened (optional)

I have my insurance details handy Optional — speeds up the policy review if you include them

Insurance Company (optional)

Policy Number (optional)

Policy Type (optional)

Deductible (optional)

Upload photos of the damage (optional — helps me prepare)

Click to upload or drag a file here

PDF, JPG, or PNG · up to 10MB

When should I come by?

The inspection is free and typically takes 30–60 minutes. I'll call to confirm the exact time.

Preferred Date

Preferred Time

How should I reach you?

📞 Phone call

💬 Text message

Anything else I should know? (optional)

Free inspection · Free policy review · No recovery, no fee · Florida statewide

Thank you — I'm on it.

You'll hear from me personally within 24 hours to confirm your free property inspection and policy review. If anything is urgent in the meantime, call or text me directly.

Mobile: (305) 495-7177