Island Claims›Hawaiʻi Island›Hilo
Hilo · Keaʻau · Kaumana · Waiākea · Pepeʻekeo

Your Hilo public adjuster

Island Claims is a licensed Hawaiʻi public adjusting firm helping Hilo and East Hawaiʻi homeowners and businesses with roof, water, mold and storm claims. A public adjuster works for you, not the insurance company. We read your policy, document the damage and explain your options in plain English.

Book a complimentary claim reviewCall (808) 808-3778
License #11127106Maui-based, every islandPhone or video appointmentsNot a law firm
What we handle

Hilo claims we help with

Roof leaks

Heavy rain finds every weak spot. Storm-damaged roofs often need more than a patch.

Roof damage claims

Water damage

Leaks into walls, ceilings and floors in single-wall and older wood homes.

Water damage claim help

Mold

East Hawaiʻi humidity turns hidden moisture into mold quickly.

When is mold covered?

Flooding and runoff

Rising water and runoff are often treated differently from rain through a damaged roof.

Flood or wind? Which policy pays

Storm damage

Wind, fallen trees and storm water from Kona Lows and passing hurricanes.

Hurricane damage claim help

Denied or underpaid claims

A denial or a low first payment is often a starting point.

Denied claim help
Why it matters

In Hilo, water is the claim

Hilo is one of the rainiest cities in the United States, and it passed 26 inches of rain for the season by mid-March 2026. Slow roof leaks and hidden water damage are some of the most common claims here, and insurers often call them wear and tear.

The difference between a covered sudden loss and an excluded slow leak often comes down to documentation: when the damage appeared, what caused it and what changed after a storm. We help you build that record.

Page photo: Downtown Hilo. Photo: Isi Parente, via Unsplash.

Where we help

Hilo neighborhoods

Hilo town

Downtown Hilo, Waiākea, Keaukaha

Older wood buildings, homes and businesses near the bay.

Upper Hilo

Kaumana, Waiākea Uka, Pīhonua

Wetter upslope neighborhoods with heavy rain and fast-growing mold.

Nearby East Hawaiʻi

Keaʻau, Pepeʻekeo, Papaikou, Honomū

Rural homes, catchment systems and long driveways.

HiloWaiākeaKeaukahaKaumanaWaiākea UkaPīhonuaKeaʻauPepeʻekeoPapaikouHonomū
Kailua-KonaAll of Hawaiʻi Island
Claim help by type

Common claims we handle

Hurricane and wind damage

Roofs, wind-driven rain and hurricane deductibles.

Hurricane damage claims

Water damage and mold

Leaks, condo water damage and mold after a covered loss.

Water damage claims

Fire and smoke damage

Structure fires, wildfire, smoke and ash, and living expenses.

Fire & smoke claims

Denied or underpaid claims

A second look at the denial, the policy and the estimate.

Denied claim help
How it works

Three steps, no pressure

  1. Book a reviewPick a time that works for you, by phone or video.
  2. We look at your policy and damageSend photos and your policy. We explain what is covered, what may be missing and what to document next.
  3. You decideHire us, handle the claim yourself, or ask an attorney. We cannot promise a result or a payment amount.
Already have an adjuster?If a public adjuster is already handling your claim, please stay in touch with them directly.
Common questions

Hilo FAQs

Yes. Island Claims serves all of Hawaiʻi Island. We start with a complimentary review by phone or video, and schedule an inspection on the island when your claim needs one.
Often, yes. Ask for the decision in writing with the policy language it relies on. Document when the leak started and whether it followed a storm. Storm damage can look like wear at first glance.
Termite damage itself is usually excluded. But if termites led to a sudden collapse or water damage, parts of the claim may still be reviewable. Read the exact exclusion in your policy.
It depends on how the water got in. Rain through a damaged roof is often treated differently from rising water or runoff, which usually needs a flood policy.
A public adjuster works for you, the policyholder, not the insurance company. We read your policy, document the damage, prepare the claim and handle the back-and-forth with your insurer. Your insurer’s adjuster works for the insurer.
No. A public adjuster handles the insurance claim itself: the policy, the damage and the paperwork. An attorney gives legal advice and can take legal action. Island Claims is a public adjusting firm, not a law firm. If your claim may need legal action, a licensed Hawaiʻi attorney is the right person to ask.
Sources and updates
Ready when you are

Do not face your insurance company alone.

A complimentary review shows you where your claim stands.

Book a complimentary claim review

Call (808) 808-3778 · aloha@island.claims