Complimentary Commercial Claim Review
Open claim, low offer, or denial? Tell us about the property and where the claim stands — our licensed Hawaiʻi team reviews every submission, including the insurer’s estimate and letters if you have them.
Mahalo! We Have Your Submission.
Our team will review your property and claim, and the licensed PA best suited to your loss will reach out to schedule a call and walk through your next steps.
ISLAND CLAIMS · WE’VE GOT YOU
Eight Warning Signs a Large Claim Is Going Sideways
None of these requires a denial letter. Each one can cost six or seven figures on a hotel, condo tower, farm or commercial building — and each one is easier to fix while the claim is still open.
- The estimate is far below your contractor’s numbersMainland pricing, missing line items, or no allowance for barge freight and island labor.
- Partial payments, then silenceAn advance arrives, then months of requests for more documents with no decision.
- A hurricane deductible was appliedOn a large building a percentage deductible can erase most of the payment — check the trigger wording.
- Their engineer blames wear and tearConflicting expert reports that turn storm damage into “pre-existing” or “maintenance.”
- Business income is being cut shortThe period of restoration ends before you can actually reopen, or ongoing expenses are left out.
- Code upgrades were left outPermits require upgrades the estimate doesn’t include — often a separate coverage.
- Smoke, water or mold called “cosmetic”Hidden damage in HVAC, walls and ceilings treated as a cleaning job.
- Deadlines are getting closeProof of loss, appraisal and suit-limitation dates are approaching and the claim isn’t resolved.
The insurer has its adjuster, engineers and accountants. So should you.
On a large loss the insurance company assembles a team: a field adjuster, a desk adjuster, building consultants, sometimes a forensic accountant. Their reports become the claim file. We build yours — with our own inspection, a line-item estimate priced for Hawaiʻi, and documentation organized so every reviewer can approve it.
Four Parts of Every Large Claim. We Work All Four.
1 · The building — and what code requires now
Repairs to an older building often trigger today’s code: roofing, electrical, energy and accessibility upgrades. Ordinance or law coverage can pay for those upgrades, and the cost can count once the code is enforced — for example, when a permit is conditioned — not only after the work is paid for. We identify code items before the estimate is agreed.
2 · Business income & extra expense
Business income is measured over a period of restoration, and the start and end dates matter. We document sales history, continuing expenses, payroll, the dates payments arrive and every delay, so the claim reflects the time you were actually closed or slowed — plus the extra expense of staying open.
3 · Contents, equipment & inventory
Furniture in 200 hotel rooms, a commercial kitchen, pool pumps, farm equipment, retail stock. Large contents claims are won with organized inventories, models and serial numbers, and replacement pricing that includes shipping to the islands.
4 · Layered policies & deductibles
Master policy, hurricane policy, excess layers, flood, owners’ HO-6 policies and loss assessments. We map which policy responds to which damage, confirm the right deductible was applied, and keep the insurers from leaving you in the gap between them.