An underpaid claim is one of the most common problems Hawaiʻi property owners face. The check arrives, and it does not come close to what the repair will cost. The good news is that a first payment is often not final. Here is how to work through it.
Step 1: Get the full estimate
Ask your insurer for the complete written estimate, not just the payment letter. You want every line item, the quantities, the prices and any depreciation that was held back. Without the estimate, you cannot see what was left out.
Step 2: Compare it with the real damage
- Rooms or areas that were never included
- Quantities that are too small, such as square feet of drywall or roofing
- Missing items like baseboards, insulation, paint for full walls, or contents
- Prices that do not reflect Hawaiʻi materials, shipping and labor
- Code upgrades, debris removal and cleanup left off
- Depreciation held back that you may recover after repairs
Step 3: Ask in writing
Send a written request explaining what is missing, with photos and a contractor or adjuster estimate if you have one. Ask for a re-inspection if items were not seen. Keep it factual and specific. Hidden damage found during repairs can usually be submitted as a supplement.
Step 4: Know your options if you still disagree
- Appraisal. Many property policies include an appraisal clause for disputes over the amount of loss. Each side picks an appraiser, and an umpire settles differences. Read your policy’s exact wording first.
- Insurance Division. The Hawaiʻi Insurance Division accepts consumer complaints about how claims are handled.
- A public adjuster. A licensed public adjuster can prepare the claim and negotiate the amount for you.
- An attorney. If the insurer is denying coverage or acting in bad faith, a licensed Hawaiʻi attorney is the right person to ask.
Common Questions
Can I reopen an underpaid insurance claim in Hawaiʻi?
Often, yes. Supplements for missed or hidden damage are common. Check your policy for time limits and send your request in writing with photos and estimates.
What is the appraisal clause?
A policy provision that lets you and the insurer resolve a disagreement about the amount of loss through appraisers and an umpire. It usually does not decide whether something is covered.
What is recoverable depreciation?
Money held back from replacement cost payments until repairs are done. Many owners never collect it. Our depreciation guide explains how it works.
Will asking for more slow down my claim?
A clear, documented request usually moves a claim forward. Vague complaints slow it down. Be specific about what is missing and why.
Talk to a Hawaii Public Adjuster — Complimentary
Our licensed team reviews your policy, claim, or damage at no cost, responds with an honest assessment, and can schedule a call to discuss your next steps. No obligation. No upfront fees, ever.
Start Your Complimentary Review