Island Claims›Hawaiʻi Island›Kailua-Kona
Kailua-Kona · Keauhou · Hōlualoa · Kealakekua · Captain Cook

Your Kailua-Kona public adjuster

Island Claims is a licensed Hawaiʻi public adjusting firm helping Kona homeowners, condo owners, coffee farms and businesses with wind, roof, water and rental property 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

Kona claims we help with

Wind and roof damage

Kona Low winds can tear roofing and lanai covers and send rain inside.

Wind & hurricane claim help

Condos and associations

Unit owners and AOAOs along Aliʻi Drive and Keauhou.

Condo water damage: HO-6 vs. AOAO

Vacation rentals

Damage to rental units and the rental income lost while repairs are made.

Business interruption claims

High surf and flooding

Wave wash and rising water usually fall under flood coverage, not homeowners.

Flood or wind? Which policy pays

Coffee farms and rural property

Farm buildings, equipment, water systems and fencing upslope.

The first 72 hours after damage

Denied or underpaid claims

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

Denied claim help
Why it matters

Kona’s storms come from the south

West Hawaiʻi is usually dry and calm, which makes storm damage a surprise. During the March 2026 Kona Low, winds tore parts of the roofs off two Aliʻi Drive businesses and gusted to 79 mph at the Kona airport.

Still sorting out damage from the March 2026 Kona Low? See our Kona Low storm claim help and the full Kona Low claim guide.

Many Kona properties are condos or rentals, so a single storm can mean a unit-owner claim, an association claim and a loss of rental income all at once. We keep each part organized.

Page photo: Kona coast. Photo: Sergio Fletes, via Unsplash.

Where we help

Kailua-Kona neighborhoods

Kailua-Kona and Aliʻi Drive

Kailua-Kona, Kalaoa, Kealakehe, Honokōhau

Condos, shops, restaurants and homes in town and near the harbor.

Keauhou and Kahaluʻu

Keauhou, Kahaluʻu

Resort condos, golf-course homes and vacation rentals.

Upslope Kona

Hōlualoa, Kealakekua, Captain Cook

Coffee farms, older homes and rural property with water catchment.

Kailua-KonaKalaoaKealakeheHonokōhauKeauhouKahaluʻuHōlualoaKealakekuaCaptain Cook
HiloAll 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

Kailua-Kona 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.
Some policies include fair rental value or loss of rents coverage, and some rental or landlord policies list it separately. Check your declarations page and keep records of bookings that were cancelled.
Damage from waves and rising water is usually treated as flood and often needs a flood policy. Wind damage from the same storm may fall under homeowners or a hurricane policy. Each needs its own documentation.
Yes. We work with boards and managers on building, roof and common-area claims under the master 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.
You tell us what happened and send whatever you have: photos, your policy, letters or estimates from the insurer. We explain what we see, what may be missing and what to document next. If we can help, we explain in writing how we are paid before you sign anything. If you do not need us, we say so.
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