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 Review