Lala Damaged Your Property.
Don’t Let the Insurance Company Decide What It Was Worth.

Policies require prompt notice of a loss, and specific deadlines vary by policy — for proof of loss, for supplemental claims, and for recovering withheld depreciation. Hidden storm damage also surfaces for months. The safest move: report promptly, document thoroughly, and get your policy’s specific deadlines identified early. We do that in every Complimentary review.

This is the central battleground of storm claims. Wind damage and rain entering through wind-created openings are generally covered by hurricane or homeowners policies; rising water is generally flood (separate NFIP coverage); and “earth movement” language is where many claims get wrongly classified. The first determination is not the final word — get the file professionally reviewed before you accept it.

The August 25 declaration covers Hawaii County, Maui County, and Honolulu, but it primarily authorizes public assistance — emergency measures and infrastructure. Your insurance policy remains the primary path for your property losses. Check disasterassistance.gov for evolving individual assistance, and pursue your insurance claim fully — accepting FEMA help does not settle anything with your insurer.

Usually not. Most first checks after catastrophes are partial payments, and supplemental claims are a normal part of the process — but read the wording before you endorse anything that says “full and final.” Our insurance check guide explains exactly what to look for, or send us the check letter and we’ll review it with your claim.