Complimentary Lowell Property & Claim Review
Already filed, already paid, or not sure where to start? Tell us what Lowell did — our licensed Hawaiʻi team reviews every submission, including the insurer’s estimate if you have one.
Mahalo! We Have Your Submission.
Our team will review what Lowell did to your property, 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
Point observations from the NWS Honolulu Hurricane Lowell summary (Sept. 9). Lowell passed about 90 miles west of Līhuʻe as a Category 2; actual wind at any property varies with terrain, elevation and exposure.
Three Places Lowell Claims Get Underpaid. We Help With All Three.
After a storm this size, insurers bring in adjusters from across the country and move fast. A quick first inspection is a starting point — not the final word on what your policy may owe.
1 · “The first estimate only counts what they saw.”
Wet insulation, moisture in walls and ceilings, lifted shingles and loosened flashing, damaged solar mounts, electrical and lanai damage are easy to miss in a short visit. Missed items mean a missed payment. Supplements are how they get added back — with photos, moisture readings and a line-by-line estimate.
2 · “Wind or water? The label decides the payout.”
Lowell brought wind, wind-driven rain, flash flooding, surge and mud at once. Rain through a wind-damaged roof, surge in a ground-floor shop and mud from a hillside can each fall under a different policy — homeowners, hurricane or flood — with different deductibles. A “flood, not covered” letter deserves a second look at the evidence.
3 · “Trees, fences and outages add up.”
Fallen trees, debris removal, fences, carports and awnings, spoiled food, a hotel stay while the house dried out, a shop closed for two weeks without power — each can be its own line item under the right coverage. Keep every receipt, closure notice and outage record.
Out-of-state public adjusters can’t take Lowell claims.
Hawaiʻi’s Insurance Commissioner let out-of-state insurance-company adjusters work Lala, Lowell and Nolo claims — but specifically excluded nonresident public adjusters (Declaration 2026-4LIC, Sept. 25). Island Claims is a licensed, Hawaiʻi-based firm. Headquartered on Maui, serving Kauaʻi and every island.
