Property Managers, Brokers & CPAsA Hawaiʻi claim partner for the people you serve
When a building you manage, a client you insure or a business you keep the books for has a property claim, Island Claims works that claim for the policyholder. It’s documented building by building, explained in plain English for owners and boards, and handled with the insurer through one point of contact, so you can keep doing your own job.
You’re the first call after a loss. We handle the claim.
Owners, boards and business clients already trust you. We work alongside you, in our own lane, and keep you informed with the client’s OK.
Take the claim off your desk
Inspections scheduled through your office, vendor invoices counted in the claim, and plain-English updates you can forward to owners.
Give the board what it needs to decide
Deductible and damage numbers by building and unit, in writing, and owner communication routed through the association’s own channel.
Keep the client, lose the claim workload
We document the loss and send clean, policy-based requests to the insurer, and keep you in the loop. We stay on the claim, not the placement.
You build the numbers. We tie them to the policy.
On business income and extra expense claims, we tell you what the insurer will ask for and present the claim to the insurer and its accountant.
Organized, documented and easy to forward.
Joshua Reeder, licensed Hawaiʻi Public Adjuster #11127106, leads every file, with estimators, engineers and accountants brought in as the loss needs. See how we work a commercial file.
Documentation by building
One folder per building: photos, unit surveys, moisture maps, invoices and insurer letters, with every deadline tracked.
Board-ready summaries
Regular one-page updates: where it stands, what’s next, what we need and any decision due. See what a board summary covers.
One point of contact with the insurer
Once we represent the policyholder, the insurer’s requests, inspections and follow-ups come to us, with a written recap after every call.
Business income, with the CPA
The CPA builds the loss model from the records. We connect it to the policy wording and the period of restoration, and handle the insurer’s accountant. See the business income guide.
Deductibles in numbers, not opinions
The deductible and the damage per building and per unit, so the board can decide under HRS §514B-143. Allocation questions go to association counsel.
Access planned through your office
Unit-by-unit access notices go out through the association or your office, batched by island, so owners aren’t caught off guard.
Reciprocal, never paid.
Island Claims doesn’t pay or accept referral fees, in either direction. That’s our own policy, and it keeps everyone’s advice clean. The value goes both ways in service: when our clients need a good manager, broker or CPA, we’re glad to point them to people we trust.
- Ask first, then introduce us
With the owner’s or board’s OK, send us the property and a contact. A short call is enough to start.
- We meet the decision-makers
The agreement is always with the policyholder, signed by someone authorized to sign for it. The fee is set in that written agreement before any work begins.
- You stay in the loop
With the client’s written OK, you’re copied on updates and inspection dates, so nothing about the property surprises you.
Partners don’t negotiate the claim; the licensed public adjuster does. If anyone involved has a financial interest in a claim, Hawaiʻi law requires us to disclose it to the policyholder in writing (HRS §431:9-244). Contractors: see our contractor partner program.
A board or team Q&A, before anyone decides anything
Joshua will join a board meeting (open or executive session, whichever the board prefers) or a management team call for a short, educational Q&A:
- How a percentage hurricane deductible is calculated, and what triggers it under your policy’s wording
- What records the board can ask the insurer for, including the basis for its deductible decision
- The board’s options for allocating a deductible under HRS §514B-143 (association counsel advises on the decision itself)
- For businesses and their CPAs: the records a business income claim usually needs
No cost and no obligation. In person on Maui, or by video from any island. If the board later wants a complimentary claim review, we set that up separately.
Hurricane deductible: seven questions for your board
A one-page checklist to print and bring to the next meeting. General information, not legal advice. Your policy and governing documents control.
- What exactly does our hurricane deductible trigger say?Get the wording in writing: a watch or warning, a named storm, or a set number of hours. Many policies differ.
- A percentage of what?The building limit, the insured value or the total insured value, and applied per building or per location.
- When did the damage happen, and what was in effect at that time?Pin the date and time of loss against the watch and warning timestamps. Hawaiʻi’s Insurance Division told insurers that a watch or warning is not the same as a storm’s classification unless the policy says so (Memo 2026-7A).
- Has the insurer explained its deductible decision in writing?Ask for the policy provisions and the facts it relied on. The same memo asks insurers to keep records supporting coverage and deductible decisions.
- How will the board allocate the deductible?As a common expense, against the owners who caused the damage after notice and a hearing, or to the affected owners (HRS §514B-143(d)). Ask association counsel, and record the decision in the minutes.
- Have owners been told to check their HO-6 loss assessment limit?It is often far lower than an owner’s share of a percentage hurricane deductible.
- Are the claim deadlines on the calendar?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.
Island Claims · Licensed Hawaiʻi Public Adjuster #11127106 · island.claims · aloha@island.claims · (808) 808-3778. Island Claims is a public adjusting firm, not a law firm, and is not affiliated with the State or any insurer.
Easy to check before you introduce us.
Your name goes on the introduction, so here is what you can verify about us first.
Licensed Hawaiʻi Public Adjuster #11127106
Joshua Reeder holds the license and leads every file. Verify it yourself on the Hawaiʻi Insurance Division’s license search (it runs on the NAIC lookup), or read how to check any adjuster’s license.
Bonded as Hawaiʻi law requires
Hawaiʻi requires a licensed public adjuster to keep a surety bond in force with the State (HRS §431:9-223). Your written agreement confirms it.
Insurance money goes to the policyholder
Insurer payments are made out to you or the association, with any mortgagee or loss payee, never to Island Claims alone. If we ever hold funds for a client, they go into a separate trust account and are paid out as Hawaiʻi law requires.
A written contract before any work
A Hawaiʻi Public Adjuster Contract 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.
Your financial records stay on your claim
P&Ls, tax returns, rent rolls and board minutes are used for your claim and shared only with the insurer and the specialists you approve. See our Privacy Policy.
Policyholders only, no referral fees
We never work for insurers. Island Claims doesn’t pay or accept referral fees, in either direction. That’s our own policy. Island Claims is a public adjusting firm, not a law firm.
Talk with us about a property or a client
aloha@island.claims
Send the property, the client contact and where the claim stands.
(808) 808-3778
Monday to Friday, 8:00 am to 4:00 pm Hawaiʻi time.
Complimentary commercial review
The owner or board sends the details and documents through our commercial form.
Pick a review time
Phone or video, shown in Hawaiʻi time.
Good to know before you introduce us
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.
Guides you can forward
AOAO Master Policy Claims
The statute, who pays the deductible, and a board checklist.
Business Income and Interruption Claims
How business income is measured, and the records that prove it.
Commercial Property Insurance in Hawaiʻi
What a commercial policy covers, and what to check before renewal.
Hurricane Deductibles in Hawaii
Percentage deductibles and the trigger language behind them.