Lala Damaged Your Property.
Don’t Let the Insurance Company Decide What It Was Worth.
Hurricane Lala damaged 267 homes across the state — 217 of them on Hawaii Island, where 27 were destroyed — and left more than $67 million in validated public damage, with Hawaii County’s estimate approaching $100 million. Five weeks in, the first inspections and first checks have arrived, and the claims will be won or lost on documentation, classification, and negotiation. Island Claims is Hawaii’s licensed public adjusting firm. We represent property owners only. Never insurance companies.
Start Your Complimentary Lala Claim ReviewStorm facts from official reporting as of September 22, 2026 (state damage validation, Hawaii County, HI-EMA). Emergency info: Hawaii Emergency Management — Lala updates · disasterassistance.gov
Kaʻū flooded again during Hurricane Nolo (Sept 26–27). Nolo is a separate event with its own date of loss — if something changed at your property, see our Hurricane Nolo claim help page.
Complimentary Lala Claim Review
Our licensed Hawaii team reviews every submission and responds with your assessment
Mahalo! We Have Your Submission.
Our team will review your Lala claim, and the licensed PA best suited to your loss will reach out to schedule a call and walk through your next steps.
ISLAND CLAIMS · WE’VE GOT YOU
Three Fights Are Here. We Fight All Three.
After an island-wide event, carriers fly in catastrophe adjusters who have never seen single-wall construction or priced materials that arrive by barge. Then the classification games begin.
1 · Wind vs. Flood vs. Earth Movement
Wind damage is generally covered. Rising water is “flood.” Landslides get labeled “earth movement.” When Lala delivered all three at once, how your loss gets classified can decide the entire claim — and the first classification is not the final word. Evidence decides this fight, and early documentation wins it.
2 · The Losses Nobody Claims
~200,000 customers lost power. Refrigerators and freezers full of food, spoiled restaurant inventory, business income lost to closures and civil-authority orders — these are real, claimable losses that most owners never file. Photograph before you dispose. Every documented dollar counts.
3 · The Fast, Low First Offer
Catastrophe-scale claims mean rushed inspections and mainland pricing databases. First offers after events like Lala routinely miss hidden moisture, code upgrades, and real Hawaii rebuild costs. Estimates are negotiable. Supplements are normal. Do not accept a number that doesn’t rebuild your property.
A hurricane watch or warning alone doesn’t decide your deductible.
On August 26, Hawaiʻi’s Insurance Commissioner told insurers to evaluate each Lala claim on its own facts and the policy’s actual wording — and not to treat a hurricane watch or warning as the same thing as the storm’s classification unless the policy says so. Coverage and deductible decisions must be clearly explained (Commissioner’s Memorandum 2026-7A).
Lala brought a hurricane warning to the Big Island, but Maui County and the other islands were under tropical storm warnings. If a percentage hurricane deductible was applied to your Lala claim, it deserves a close look.
Get a Complimentary Deductible ReviewAnswers Before You Sign Anything
State & County Programs You Can Use Right Now
These programs are free and separate from your insurance claim — use them. None of them replaces the money your policy owes you for your property, which is the claim we help you fight for.
Whether You Hire Us or Not
“It’s Just a Few Shingles.” Is It, Though?
Why minor-looking Lala damage often hides real, covered losses — and the questions to ask before you write yours off.
Hurricane Lala: Claim & Recovery Guide
The complete playbook — documentation steps, wind-vs-flood explained, food spoilage, business losses, and every official emergency resource.
The First 72 Hours After Property Damage
What to do right now to protect both your property and your claim — step by step.
What to Expect During the Insurance Inspection
The inspection largely decides your claim’s value. Walk in prepared, not nervous.
Hurricane Deductibles in Hawaii
Percentage deductibles, trigger language, and the coverage gray zones unique to Hawaii.