State Farm
Homeowners, condo (HO-6), rental and small business policies.
Island Claims›Insurance companies
Claim experience · every island
The insurance companies we handle Hawaiʻi claims with
From national names to Hawaiʻi’s own insurers and the state’s insurer of last resort, our team has handled property claims with the companies that insure homes, condos and businesses across the islands. Whichever company insures you, we work for you, never the insurer.
License #11127106Maui-based, every islandWe represent policyholders onlyNot a law firm
Who we work with
17 insurers, one side of the table
These are the insurance companies our team has handled Hawaiʻi property claims with on behalf of policyholders.
Island Insurance
Hawaiʻi-based. Homeowners, condo, landlord and commercial policies.
First Insurance Company of Hawaii
Hawaiʻi-based (Tokio Marine group). Homes, condos, associations and commercial property.
USAA
Homeowners, condo and renters policies for military members and their families.
Allstate
Homeowners and property policies.
DB Insurance
Homeowners, condo, dwelling and commercial policies (U.S. branch).
Liberty Mutual
Homeowners and personal property policies.
Zephyr Insurance
Hawaiʻi-based, now part of Heritage. Home, condo and dwelling policies, including hurricane.
RLI
Homeowners policies sold through Hawaiʻi independent agents.
Farmers Insurance Hawaii
Farmers’ Hawaiʻi company. Homeowners and condo policies.
DTRIC Insurance
Hawaiʻi-based. Homeowners, dwelling and commercial policies.
Chubb
High-value homes, condos and commercial property.
Travelers
Commercial property and homeowners policies.
Hawaiian Insurance & Guaranty
Hawaiʻi-based. Homeowners and dwelling policies, including hurricane.
The Hartford
Business property and homeowners policies.
Hawaii Property Insurance Association
The state-created insurer of last resort, including homes in lava zones 1 and 2.
Universal Property & Casualty
Past Hawaiʻi homeowners and condo policies.
Names are shown only to describe our team’s claim experience. Island Claims is not affiliated with, or endorsed by, any insurance company. All names are trademarks of their owners.
What changes
What happens when we’re on your claim
Your insurer hears from us
We send a letter of representation with our license and ask to be copied on all claim communication.
We get the full picture
We request the claim file, the adjuster’s estimate and photos, and a certified copy of your policy.
Your damage, fully documented
We inspect, photograph and build a line-item estimate priced for repairs in Hawaiʻi.
Deadlines tracked
We hold the claim to Hawaiʻi’s response times and your policy’s deadlines, in writing.
Read next
Help for the claim in front of you
Denied or underpaid
When the insurer’s answer doesn’t match your policy or your damage.
Denied or underpaid claimsCommon questions
Insurance company FAQs
No. Under Hawaiʻi law a public adjuster acts only for the policyholder, never for the insurer (HRS §431:9-226). Every company on this page is one we have dealt with on behalf of property owners.
No. The names are listed only to show the insurers our team has handled claims with. Island Claims is not affiliated with, or endorsed by, any of them.
Yes. We can review a claim with any insurer that writes property insurance in Hawaiʻi. Send us the policy declarations page and any letters or estimates you have.
We send your insurer a letter of representation with our license, ask them to copy us on all claim communication, and request the claim file and a certified copy of your policy. You stay informed and in control of every decision.
Hawaiʻi law requires insurers to respond to claim communications within 15 working days, and to explain in writing every 30 days why an unresolved claim is still open (HRS §431:13-103). Your policy may set other deadlines too.
Sources and updates
- Hawaiʻi Insurance Division, State Department of Commerce and Consumer Affairs
- Hawaiʻi Revised Statutes §431:9-226 (public adjusters act for the insured) and §431:13-103 (unfair claim settlement practices).
- Last updated October 2026 by Island Claims, licensed Hawaiʻi public adjusters, License #11127106. Island Claims is a public adjusting firm, not a law firm.
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