Kauaʻi property claims

Your Kauaʻi public adjuster

If your home, condo or business on Kauaʻi was damaged, your insurance claim decides how fast you rebuild. A public adjuster works for you, not the insurance company. We read your policy, document the damage and explain your options in plain English.

Book a complimentary claim reviewCall (808) 808-3778

Phone or video, Tuesdays and Thursdays 10 am to 1 pm HST, booked at least two days ahead.

License #553921Hawaiʻi-basedPhone or video appointmentsNot a law firm
After the storm

What Kauaʻi owners are up against

Most of these problems are fixable if they are caught early.

Damage that is easy to undercount

Wind-driven rain, roof damage and water behind walls often show up weeks later. Photos and a written scope taken early keep your claim accurate.

A policy with Hawaiʻi terms

A hurricane deductible can be a percentage of your home’s insured value instead of a flat amount. We help you read yours before you decide anything.

Hurricane deductibles in Hawaiʻi

Paperwork with deadlines

Your policy and Hawaiʻi law set notice and proof-of-loss deadlines. We help you keep track of them.

Lowell storm

Hit by the September 2026 Lowell storm?

County reports counted 880 resident damage reports on Kauaʻi as of September 25, including 18 homes destroyed and 100 with major damage. Our Lowell page has the storm-specific steps.

See the Lowell storm steps

Source: County of Kauaʻi, as cited on our Hurricane Lowell claim guide. Photo above: crews clearing fallen trees and debris at Pacific Missile Range Facility, Kekaha, Sept. 9, 2026. U.S. Navy / Jonell Kaohelauliʻi.

Where we help

Kauaʻi neighborhoods and towns

LīhuʻeWailuaKapaʻaAnaholaKīlaueaHanaleiPrincevilleHanapēpēKalaheoKōloaPoʻipuWaimeaKekaha

Also serving condo and HOA boards, vacation rentals and small commercial owners across Kauaʻi County, including owners who live off island. Looking for Maui? See our Maui public adjuster page.

How it works

Three steps, no pressure

  1. Book a reviewPick a Tuesday or Thursday slot, 10 am to 1 pm HST, at least two days ahead.
  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.
Before you repairBefore you throw out damaged items or start permanent repairs, take photos and keep receipts. Your policy usually expects you to protect the property from more damage, such as tarping a roof. For more, read the first 72 hours after property damage.
Common questions

Kauaʻi claim FAQs

Reviews are by phone or video, and we handle claims across Hawaiʻi. If an in-person visit would help your claim, we will tell you on the call.
A public adjuster works for the policyholder. We document your damage, read your policy, prepare your claim and talk with your insurer for you.
The claim review is complimentary. If we decide to work together, we explain in writing how we are paid before you sign anything.
Many denied claims can still be reviewed. Bring the denial letter and your policy to the call.
No. Island Claims is not a law firm. If your claim may need legal action, a licensed Hawaiʻi attorney is the right person to ask.

Denied or underpaid? Read what to do when a Hawaiʻi claim is denied.

Ready when you are

Talk to someone who works for you.

One conversation will show you where your claim stands.

Book a complimentary claim review

Call (808) 808-3778 · aloha@island.claims
Phone or video, Tuesdays and Thursdays 10 am to 1 pm HST, booked at least two days ahead.