Kona Low storm claims

Kona Low storm damage? Get your claim reviewed.

The March 2026 Kona Low storm caused more than $1 billion in damage across Hawaiʻi. If your insurance claim is stuck, short or denied, a public adjuster works for you, not the insurance company. “Kona Low” is the storm; owners on every island are welcome.

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
Three tracks

Insurance, FEMA and SBA are different

Mixing them up is the most common reason owners stall.

Your insurance claim

Your insurer pays under your policy. Its deadlines and proof requirements come from the policy, not from the federal declaration.

FEMA and SBA help

These programs run separately, with their own dates and rules. The counties of Maui, Honolulu and Hawaiʻi are in declaration DR-4909-HI; Kauaʻi is not.

Flood is the gap

Standard homeowner policies usually exclude flood. How the water got in, rising water or rain through a damaged roof, can change what is covered. Only about 4 in 100 Hawaiʻi properties carry flood insurance.

Check your dates

Deadlines that matter right now

Checked October 2026. Confirm each date on the agency’s own site.

Write it down todayA FEMA or insurer decision letter has a date at the top. Write it down today and count forward from it; appeal windows are firm.
On the Kona side?

We help Hawaiʻi Island owners too

Island Claims helps owners in Kailua-Kona, Kealakekua, Captain Cook and across Hawaiʻi Island with any property claim, not only storm claims.

Book a complimentary claim review
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, your policy and any letters. 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.
Common questions

Kona Low claim FAQs

A low-pressure storm system in March 2026 that brought heavy rain, flooding and wind damage to parts of Hawaiʻi. It is not about the Kona district; it is the storm’s name.
Not always. Your policy sets its own time limits, and a review checks them. Bring your policy and any letters.
Usually not. Flood is normally a separate policy. Rain coming through storm damage to the roof may be treated differently, so the details matter.
Many denied or underpaid claims can still be reviewed. Bring the letter, your policy and photos.
The claim review is complimentary. If we decide to work together, we explain in writing how we are paid before you sign anything.
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.

Want the full walk-through? Read our Kona Low flood damage claim guide.

Sources
Ready when you are

Get your Kona Low claim looked at.

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.