Hawaii Claim Guides
Plain-language answers for Hawaii property owners — written by the licensed public adjusters at Island Claims. The insurance company knows how this game works. Now you will too.
Sept 2026 · Most RecentHurricane Nolo: West Maui Wind, Kaʻū Flooding & Property Damage Claim Guide
What Nolo actually did island by island, which islands had hurricane watches (it matters for your deductible), what to inspect when your roof still looks fine, Lala vs. Nolo damage, flood vs. wind-driven rain, and business losses.
Sept 2026Storm RecoveryHurricane Lowell: Kauaʻi, Oʻahu & Maui Property Damage & Claim Recovery Guide
What Lowell did island by island, how wind, surge and flood damage get classified, power-outage and business losses, and the pending federal declaration.
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Aug 2026Storm RecoveryHurricane Lala: Property Damage & Claim Recovery Guide
Five weeks after Hawaii’s first hurricane landfall since ʻIniki — 267 homes damaged, a major disaster declaration pending — documentation, food spoilage and business loss claims, wind vs. flood, and what to do now that the first check has arrived.
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Mar 2026Storm RecoveryMarch Kona Low Storms: Flood Damage & Insurance Claim Guide
Six months in: what homeowners, condo, flood and business policies actually cover; flood vs. mudflow vs. wind-driven rain; why Kona Low claims are being denied or underpaid; the deadlines still running; every recovery program still open.
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Start HereThe First 72 Hours After Property Damage in Hawaii
Fire, water, or storm damage just hit. What you do in the first three days shapes your entire claim — here is the step-by-step playbook.
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Start HereWhat Does a Public Adjuster Do in Hawaii — and When Do You Need One?
Three kinds of adjusters touch your claim. Only one works for you. What a Hawaii PA actually does, what it costs, and when it makes sense.
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Start Here“It’s Just a Few Shingles.” Is It, Though?
Minor-looking storm damage often hides real, covered losses. The damage iceberg, the questions to ask yourself, and how to decide with evidence instead of a glance from the driveway.
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Claim HelpMy Claim Was Denied — What Are My Options in Hawaii?
A denial is the insurer’s position, not a verdict. Your six options, in order — and what a properly re-built claim file looks like.
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Claim HelpCan I Cash the Insurance Check? What Accepting Payment Really Means
Usually depositing a check does not close your claim — but the wording matters. What to check before you endorse anything.
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Claim HelpWhat to Expect During an Insurance Inspection (and How to Prepare)
The inspection largely decides your claim’s value. How to prepare, what to watch for, and the red flags of a rushed walkthrough.
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Policy SmartsHurricane Deductibles in Hawaii: The Surprise Most Homeowners Discover Too Late
Since Iniki, Hawaii hurricane coverage lives in a separate policy with a percentage deductible. Know your number before the season does.
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Policy SmartsDepreciation Explained: ACV, Replacement Cost, and Getting Every Dollar You’re Owed
Why the check is smaller than the estimate — and how to recover the depreciation holdback many Hawaii owners never collect.
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Policy SmartsWater Damage Claims in Hawaii Homes: Why They Get Underpaid
Single-wall construction, humidity, salt air, Kona lows — where water claims run short, and the documentation that fixes it.
Read the Guide →Have a Claim Question These Guides Didn’t Answer?
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