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Hurricane damage claim help · every island

Hurricane damage claim help in Hawaiʻi

Hurricane claims in Hawaiʻi are rarely simple. Many homes carry two policies, a percentage hurricane deductible and a separate flood policy, and the first estimate often misses damage you cannot see from the ground. Island Claims is a licensed Hawaiʻi public adjusting firm. We work for you, the property owner, not the insurance company.

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

Hurricane claims, from first photos to final paperwork

We keep the whole claim organized: the policy, the damage, the estimate and every letter from the insurer.

Roofs and wind damage

Lifted shingles, torn metal, broken seals and damaged flashing. Partial-repair offers often miss damage across the whole roof.

Roof damage claims

Wind-driven rain

Water forced in around windows, doors and vents during the storm, and the interior damage that follows.

Flood or wind? Which policy pays

Hurricane deductibles

A percentage deductible can change the math. Whether it applies depends on your policy wording and what was officially issued.

Hurricane deductibles in Hawaiʻi

Two-policy claims

Homeowners plus a separate hurricane policy, such as Zephyr, means two adjusters and two sets of rules.

Separate hurricane policy claims

Trees, fences and outbuildings

Fallen trees, lanai covers, carports, sheds, fencing and water tanks are often separate items on the claim.

The first 72 hours after damage

Businesses and condos

Building damage, business income and association master policies after a storm.

Condo, HOA & business claims
Why it matters

The first hurricane estimate is a starting point

After a big storm, insurers send adjusters from all over, and first inspections are often quick. Estimates built on mainland pricing can miss what repairs really cost on the islands: shipping, island labor rates, permits and the time it takes to get a contractor.

A public adjuster documents the full scope of the damage, prices it at local costs and keeps the claim moving, so you can take care of your family and your home.

Page photo: Photo: Lo Sarno, via Unsplash.

Every island

Hurricane damage claims help across Hawaiʻi

Maui

Serving Lahaina, Kīhei, Kahului, Wailuku, Upcountry, Molokaʻi and Lānaʻi.

Maui public adjuster

Oʻahu

Serving Honolulu, Kailua, Kāneʻohe, Pearl City and Kapolei.

Honolulu public adjuster

Hawaiʻi Island

Serving Hilo, Puna, Kona, Waimea and Kaʻū.

Big Island public adjuster

Kauaʻi

Serving Līhuʻe, Kapaʻa, Hanalei, Kōloa and Waimea.

Kauaʻi public adjuster
LahainaKīheiKahului & WailukuUpcountry MauiHiloKailua-Kona
Read next

Hurricane guides for Hawaiʻi owners

Hurricane Nolo

September 2026 · West Maui winds and Kaʻū flooding

Hurricane Nolo claim guide

Hurricane Lowell

September 2026 · Kauaʻi, Oʻahu and Maui

Hurricane Lowell claim guide

Hurricane Lala

August 2026 · Hawaiʻi Island landfall

Hurricane Lala claim guide

Hurricane deductibles

How percentage deductibles work and when they apply

Hurricane deductibles in Hawaiʻi
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

Hurricane damage claims FAQs

Some do, and many Hawaiʻi homes carry a separate hurricane policy alongside homeowners insurance. Check your declarations page for a hurricane coverage line or a separate hurricane policy, and for a hurricane deductible. We can read it with you in a complimentary review.
It is a separate deductible, often a percentage of your dwelling coverage rather than a flat dollar amount, that applies to damage from a hurricane. Whether it applies to your claim depends on your policy wording and on what the National Weather Service issued for your area.
Yes. Wind, wind-driven rain and fallen trees can damage property far from the storm’s center. Hurricane Nolo never made landfall, yet gusts near Olowalu reached 88 mph. What matters is the damage and your policy language.
It depends on how the water got in. Rain through a wind-damaged roof or forced in by wind is often treated differently from rising water, which usually needs a flood policy. Ask for any denial in writing, with the policy language it relies on.
Many claims can be reopened with a supplement when damage was missed or prices were too low. Keep the estimate, your photos and any contractor quotes, and bring them to a complimentary review.
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