Do you work on every island?

Yes. Island Claims is Maui-based and works on Maui, Oahu, Hawaii Island, Kauai, Molokai and Lanai. Inspections are batched by island, and meetings happen at the property, by phone or by video.

Commercial · Associations · Large loss

Large Loss Commercial ClaimsHawaiʻi’s local, licensed large-loss public adjuster

Q: How is the fee set?

In a written Hawaii Public Adjuster Contract signed before any work begins. It states the fee, itemizes any expenses, and gives the policyholder three business days to cancel. Specialists are engaged only after you approve the cost in writing.

When a storm, fire or water loss hits a commercial building, a hotel, a rental complex or an association’s buildings, the claim gets complicated fast: several buildings, several coverages, a percentage deductible, lost income and a board that has to decide. Island Claims works that claim for the policyholder, building by building, with a licensed Hawaiʻi public adjuster leading every file.

Request a Complimentary Large-Loss Review Call (808) 808-3778

License #11127106Bonded as Hawaiʻi law requiresMaui-based · every island

Island Claims › Commercial & Condo Claims › Large loss claims

What we mean by a large loss

Big claims are hard for a reason. We plan for every one of them.

There’s no single dollar line. A claim is large when it has more moving parts than one adjuster visit can capture.

Associations

AOAO and HOA master policies

Many buildings and units, a board that decides, owners with their own HO-6 policies, and HRS chapter 514B rules on who pays the deductible.

Commercial buildings

Offices, retail, warehouses and mixed use

Coinsurance and values, tenant improvements, lease repair duties, and code upgrades on older buildings.

Lost income

Hotels, rental complexes and businesses

Business income, rental income and extra expense, measured over a period of restoration that has to reflect real Hawaiʻi timelines.

Deductibles & disputes

Percentage hurricane deductibles and denials

A trigger read against the policy wording and the storm timeline, plus a written basis for every cut, so you know exactly where the claim stands.

How we work a large file

Organized from day one.

Every large file follows the same written protocol. Joshua Reeder, licensed Hawaiʻi Public Adjuster #11127106, leads it and signs off at every checkpoint.

Authority and conflict check
We confirm who can sign for the company or association, collect the board resolution or officer consent, and check for any conflict before an agreement goes out.
The certified policy, mapped by building
We request the full certified policy and the insurer’s file, then map every coverage, limit, deductible and deadline for each building, citing the form and page.
Documentation building by building
One folder per building: elevations, roof measurements, unit-by-unit surveys, moisture maps, mitigation invoices and a written recap after every inspection.
The right specialists, only as needed
Commercial estimators, engineers, roof consultants, code reviewers and forensic accountants are brought in when the loss calls for them, and only after you approve the cost in writing.
An estimate by building and by coverage
Hawaiʻi pricing, freight and barging, general excise tax and code items separated, with each building’s deductible shown against that building’s loss.
A second review before anything goes out
Every number and date is checked against its source by a separate reviewer before a submission or sworn document reaches the insurer.
Board-ready updates on a regular schedule
A one-page summary: where it stands, what happened, what’s next, what we need and any decision due, written so a manager can forward it as is.

Insurer payments are made out to the policyholder (and any mortgagee or loss payee), never to Island Claims alone. Settlement is always the policyholder’s decision, in writing.

The first 30 days

What owners and boards should do now

These steps protect the claim whether or not you hire a public adjuster. The full list is in our 30-day commercial checklist.

Protect the property

Tarps, water extraction and drying, with photos before and after each step and every invoice kept.

Give written notice

Notify the insurer in writing, and your lender if the loan requires it. Note the date and time the damage happened.

Ask for the certified policy

Every form and endorsement, plus the declarations page and the schedule of values from your broker.

Start the income records

If you have business or rental income, ask your CPA to pull 24 to 36 months of P&Ls, sales and bookings now.

Calendar the deadlines

Proof of loss after the insurer asks for it, and on common commercial forms the 180-day written notices for debris removal and replacement cost.

Boards: record decisions

Engagements, deductible allocation and settlement belong in the minutes. Association counsel advises on the allocation itself.

Start here

Talk with a licensed adjuster about your property

Claim review

Complimentary large-loss review

Send the property, the insurer’s letters and where the claim stands. Joshua follows up personally.

Call

(808) 808-3778

Monday to Friday, 8:00 am to 4:00 pm Hawaiʻi time.

aloha@island.claims

Board members, managers and CFOs are welcome to write first.

For boards

15-minute board Q&A

Educational and complimentary, before anyone decides anything.

Questions owners and boards ask

Large loss claims, answered

There’s no single dollar line. We treat a claim as large when it involves several buildings or trades, an association master policy, business or rental income, a percentage hurricane deductible, code upgrades on an older building, or a fire or total loss. A complimentary review tells you whether your claim fits.

Often, yes. Many large claims come to us after an insurer’s first estimate, a partial payment or a denial letter. We start by reading the certified policy and the insurer’s file, then explain your options in plain words.

The policyholder: the company, the owner or the association. For an association, an officer the board has authorized signs, usually backed by a board resolution or minutes. A property manager or managing agent can introduce us and stay copied on updates.

In a written Hawaiʻi Public Adjuster Contract signed before any work begins. It states the fee, itemizes any expenses, and gives the policyholder three business days to cancel. Specialists are engaged only after you approve the cost in writing.

Yes. Island Claims is Maui-based and works on Maui, Oʻahu, Hawaiʻi Island, Kauaʻi, Molokaʻi and Lānaʻi. Inspections are batched by island, and meetings happen at the property, by phone or by video.

Island Claims is a public adjusting firm, not a law firm, and does not provide legal advice. We are not affiliated with any insurer or government agency.

Read before you call

Guides for large commercial claims