Serving Honolulu & all of Oʻahu

Your Oʻahu public adjuster

Island Claims is a licensed Hawaiʻi public adjusting firm helping Oʻahu homeowners, condo owners and businesses with storm, flood, water and roof claims. A public adjuster works for you, the property owner, not the insurance company. Joshua Reeder, License #11127106, reads your policy, documents the damage and explains your options in plain English.

Book a complimentary claim reviewCall (808) 808-3778
License #11127106Hawaiʻi-basedPhone or video appointmentsNot a law firm
What we handle

Oʻahu property claims, from first photos to final paperwork

One public adjuster to keep the claim organized, so you can focus on your family, your home and your business.

Kona Low flooding and rain

Rising water, rain through the roof and mudslides can fall under different policies. How the water got in matters.

March 2026 Kona Low guide

Hurricane, wind and storm

Roof, lanai and wind-driven rain damage, plus percentage hurricane deductibles that surprise many owners.

Hurricane deductibles in Hawaiʻi

Condo and high-rise water damage

Leaks from the unit above, burst pipes and building system failures, where the association policy and your HO-6 both come into play.

Condo and association claims

Water damage and mold

Hidden moisture and fast-growing mold in Hawaiʻi’s climate, including claims that were paid too little.

Water damage claims

Denied or underpaid claims

A denial or a low first payment is often a starting point, not the end of the claim.

If your claim was denied

Business and commercial property

Storefronts, offices, rentals and business income losses from closures and outages.

Commercial and condo claims
Why it matters

Oʻahu claims should be priced at Oʻahu costs

Mainland estimating tools often miss what rebuilding really costs here: shipping, Honolulu permit timelines, high-rise access and a tight contractor market. Insurers are expected to pay for the real cost of repair in your location, so your estimate should reflect it, line by line.

Joshua Reeder is a licensed Hawaiʻi public adjuster, License #11127106, with more than 16 years of claims experience. Island Claims is headquartered on Maui and serves property owners on every island, including Oʻahu. We start with a complimentary review by phone or video, and we schedule an inspection on Oʻahu when your claim needs one. Meet Joshua

Kāneʻohe Bay on the Windward side of Oʻahu with the Koʻolau mountains behind
Kāneʻohe Bay, Windward Oʻahu. Photo: Dorothy Hirata, via Unsplash. Page photo at top: the Koʻolau range from Kāneʻohe, Darren Lawrence, via Unsplash.
Where we help

Oʻahu claims by region

Honolulu and town

Downtown, Kakaʻako, Mānoa, Makiki, Kaimukī, Waikīkī

High-rise condos, older walk-ups and small businesses, where water damage from another unit or the building itself is one of the most common claims.

East Honolulu

Hawaiʻi Kai, ʻĀina Haina, Kāhala

Ridge and coastal homes exposed to strong trade and storm winds. The March 2026 Kona Low sent gusts to 81 mph at Makapuʻu.

Windward side

Kailua, Kāneʻohe, Waimānalo, Lāʻie

Heavy rain off the Koʻolau, flooding and wind. The March storms dropped more than 40 inches at Maunawili and gusted to 70 mph at Kāneʻohe Bay.

North Shore

Haleʻiwa, Waialua, Sunset Beach, Kahuku

The March 20, 2026 flash flood was the worst the North Shore has seen in a generation, damaging hundreds of homes, farms and businesses.

Central Oʻahu and Pearl City

Mililani, Wahiawā, Pearl City, ʻAiea, Waipahu

Single-family homes, townhomes and businesses, where roof, wind and water claims are common after big storms.

Leeward coast

Kapolei, ʻEwa Beach, Waiʻanae, Mākaha, Nānākuli

Hurricane Lowell brought gusts of 62 mph to western Oʻahu in September 2026, along with power outages and spoiled-food losses.

HonoluluKakaʻakoMānoaKaimukīWaikīkīHawaiʻi KaiʻĀina HainaKailuaKāneʻoheWaimānaloLāʻieKahukuHaleʻiwaWaialuaMililaniWahiawāPearl CityʻAieaWaipahuKapoleiʻEwa BeachWaiʻanaeMākahaNānākuli
Honolulu shoreline and high-rise buildings with Lēʻahi (Diamond Head) behind
Honolulu, with Lēʻahi (Diamond Head) beyond. Photo: AussieActive, via Unsplash.
Recent storms

Storm guides for Oʻahu owners

Plain-English steps, dated deadlines and official sources.

March 2026 Kona Low storms

North Shore flash flooding, Windward rain and the DR-4909 federal declaration for Honolulu County

Read the guide

Hurricane Lowell

Kauaʻi, Oʻahu and Maui claim guide, including tropical-storm damage on Oʻahu

Read the guide

The first 72 hours

What to photograph, save and say right after damage

Read the guide

What does a public adjuster do?

How we work for you, and when you may not need us

Read the guide
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

Oʻahu claim FAQs

Yes. Island Claims is headquartered on Maui and serves all of Oʻahu, from Honolulu and Kapolei to Kailua and the North Shore. Your first review is by phone or video, and when your claim needs someone on site, we schedule an inspection on Oʻahu.
A public adjuster works for you, the policyholder, not the insurance company. We read your policy, document the damage, prepare your claim and talk with your insurer for you. Your insurer’s adjuster works for the insurer.
The claim review is complimentary. If we decide to work together, we explain in writing how we are paid before you sign anything. You are never asked to pay to find out where your claim stands.
All of Oʻahu: Honolulu and town (Kakaʻako, Mānoa, Kaimukī, Waikīkī), East Honolulu (Hawaiʻi Kai, ʻĀina Haina), the Windward side (Kailua, Kāneʻohe, Waimānalo, Lāʻie), the North Shore (Haleʻiwa, Waialua, Kahuku), Central Oʻahu (Mililani, Wahiawā, Pearl City, ʻAiea, Waipahu) and the Leeward coast (Kapolei, ʻEwa Beach, Waiʻanae, Mākaha, Nānākuli).
Not always. How the water got in decides which policy may pay. Rain through a damaged roof or wind-driven rain can fall under your homeowners policy, while rising water usually falls under a separate flood policy. If you were told it is all flood, ask for the decision in writing with the policy language it relies on, and bring it to a complimentary review.
Not necessarily. Gusts reached 62 mph in western Oʻahu and about 21,000 Hawaiian Electric customers lost power. Lifted shingles, loose flashing and slow leaks often look minor at first and get worse with the next rain. Document it now, even if you are not sure you will file.
It depends on your association’s bylaws, the master policy and your own HO-6 policy. Water from another unit or the building’s pipes often involves both. We help individual owners and association boards sort out which policy covers which part. See our commercial and condo claims page for more.
Many denied and underpaid claims can still be reviewed. Bring the denial or payment letter, your policy and your photos to a complimentary review, and we will explain what we see and what to document next.
Not always. If the damage is small and your insurer’s estimate covers it, you may be fine on your own. A review is a low-pressure way to check, and we will tell you if we think you do not need us.
A public adjuster handles the insurance claim itself: the policy, the damage and the paperwork. An attorney gives legal advice and can take legal action. Island Claims is not a law firm. If your claim may need legal action, a licensed Hawaiʻi attorney is the right person to ask.
Sources and updates
Claim help by type
Hurricane damageWater damage & moldFire & smokeDenied or underpaid
Ready when you are

Do not face your insurance company alone.

A complimentary review shows you where your Oʻahu claim stands.

Book a complimentary claim review

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