Island Claims›Maui›Upcountry Maui
Kula · Pukalani · Makawao · Haʻikū · Pāʻia

Your Upcountry Maui public adjuster

Island Claims is a Maui-based, licensed public adjusting firm helping Upcountry and North Shore homeowners, farms and businesses with wind, fire, water and rural property claims. A public adjuster works for you, not the insurance company. We read your policy, document the damage and explain your options in plain English.

Book a complimentary claim reviewCall (808) 808-3778
License #11127106Maui-based, every islandPhone or video appointmentsNot a law firm
What we handle

Upcountry claims we help with

Wind damage on the slopes

Roofs, trees, fencing, carports and greenhouses in Upcountry’s gusty winds.

Wind & hurricane claim help

Fire and smoke

Wildfire and structure fires, including smoke damage and claims still open since 2023.

Fire & smoke claim help

Rain, leaks and mold

Haʻikū and the North Shore see heavy rain, and hidden moisture turns to mold fast.

When is mold covered?

Farms and outbuildings

Barns, sheds, equipment, fencing and water catchment are often separate items on the claim.

The first 72 hours after damage

Landslide and runoff

Heavy rain on steep lots can bring runoff, mudflow and earth movement.

Landslide & mudflow coverage

Denied or underpaid claims

A denial or a low first payment is often a starting point.

Denied claim help
Why it matters

Rural property needs a claim that covers all of it

Upcountry property is often more than a house: water tanks and catchment, ag buildings, fencing, solar, long driveways and landscaping. Each can fall under a different part of your policy, with its own limits.

Upcountry also knows fire. The August 2023 Kula fire destroyed homes here. Whether your claim is about fire, wind or water, we document the whole property and check every coverage that may apply.

Page photo: Photo: Joey C, via Unsplash.

Where we help

Upcountry Maui neighborhoods

Kula and Kēōkea

Kula, Kēōkea, Ulupalakua

Hillside homes and farms exposed to strong winds and fire weather.

Pukalani and Makawao

Pukalani, Makawao, Olinda, Haliʻimaile

Neighborhoods, ranch land and older wood homes.

Haʻikū and Pāʻia

Haʻikū, Pāʻia, Huelo

Rainier North Shore country, with steep lots, streams and fast-growing mold.

KulaKēōkeaUlupalakuaPukalaniMakawaoOlindaHaliʻimaileHaʻikūPāʻiaHuelo
Lahaina & West MauiKīhei & South MauiKahului & WailukuMaui public adjuster
Claim help by type

Common claims we handle

Hurricane and wind damage

Roofs, wind-driven rain and hurricane deductibles.

Hurricane damage claims

Water damage and mold

Leaks, condo water damage and mold after a covered loss.

Water damage claims

Fire and smoke damage

Structure fires, wildfire, smoke and ash, and living expenses.

Fire & smoke claims

Denied or underpaid claims

A second look at the denial, the policy and the estimate.

Denied claim help
How it works

Three steps, no pressure

  1. Book a reviewPick a time that works for you, by phone or video.
  2. We look at your policy and damageSend photos and your policy. We explain what is covered, what may be missing and what to document next.
  3. You decideHire us, handle the claim yourself, or ask an attorney. We cannot promise a result or a payment amount.
Already have an adjuster?If a public adjuster is already handling your claim, please stay in touch with them directly.
Common questions

Upcountry Maui FAQs

Yes. Island Claims is based on Maui and helps owners across Upcountry and the North Shore. We start with a complimentary review by phone or video, and schedule an on-site inspection when your claim needs one.
Often under “other structures” coverage, with its own limit, and some items may be excluded or limited. Check your declarations page and list every damaged structure separately.
Many homeowners policies exclude earth movement, and flood policies treat mudflow differently from landslide. The cause and how the damage happened matter, so document it carefully and ask for any denial in writing.
Yes. Smoke and ash damage can be a covered loss. We help document residue, odor and cleaning needs and check what your policy provides.
A public adjuster works for you, the policyholder, not the insurance company. We read your policy, document the damage, prepare the claim and handle the back-and-forth with your insurer. Your insurer’s adjuster works for the insurer.
You tell us what happened and send whatever you have: photos, your policy, letters or estimates from the insurer. We explain what we see, what may be missing and what to document next. If we can help, we explain in writing how we are paid before you sign anything. If you do not need us, we say so.
Sources and updates
Ready when you are

Do not face your insurance company alone.

A complimentary review shows you where your claim stands.

Book a complimentary claim review

Call (808) 808-3778 · aloha@island.claims