Insurers pay what can be documented. These worksheets help you capture the loss, track every extra expense, check whether the right hurricane deductible was applied, and put together a proof of loss that holds up — whether you hire us or not.
Property and policy details, a photo checklist, a room-by-room damage log, mitigation receipts, a contents starter list and a log of every conversation with the insurer.
Download PDFTrack the added cost of living elsewhere or keeping a business running — plus a business disruption record and a payments-and-delays log.
Download PDFHow percentage deductibles work, what usually triggers them, what the Insurance Commissioner told insurers after Lala, and the questions to ask in writing.
Download PDFThe deadline tracker, the order to assemble the package, a consistency check before you sign, and what to do after you send it.
Download PDFThe first steps after property damage in Hawaiʻi: safety, photos, mitigation and notice.
Download PDFPolicy, photo and home-prep steps to take before the next storm.
Download PDFEnter your email to unlock all six downloads. You’ll also get the Island Claims Bulletin — short, occasional, Hawaiʻi-only claim guidance. Unsubscribe anytime.
We respect your inbox. See our Privacy Policy. Island Claims is a public adjusting firm, not a law firm; these worksheets are general information, and your policy controls.
What to do first — and what not to throw away.
Percentage deductibles, trigger language, and the coverage gray zones unique to Hawaii.
Warning signs a large claim is going sideways — and how we work a large loss.
How to prepare, what to show, and what to write down.