The Hawaii Department of Commerce and Consumer Affairs and its Hawaii Insurance Division are urging residents to review insurance coverage and report storm damage quickly after recent high winds and heavy rainfall across the islands.
Officials recommend that homeowners, renters, and vehicle owners contact their insurer or agent immediately after discovering damage.
Early reporting allows insurers to begin claims handling and helps confirm coverage terms. Policyholders should obtain a claim number and verify deadlines for submitting required documentation.
The division also advises residents to document losses carefully. Clear photographs or videos of damaged property provide essential evidence during claims review.
If conditions remain safe, damaged items should stay available for inspection until an adjuster examines the property.
Policyholders should take steps to prevent further damage where possible. Temporary measures such as covering roof leaks with tarps or boarding broken windows are acceptable. Permanent repairs should wait until insurers review the claim and approve the work.
Residents are also encouraged to keep detailed financial records related to storm damage. Documentation should include receipts for temporary repairs, lodging, meals, and other expenses linked to the event. Accurate records help insurers verify losses and evaluate reimbursement.
Once a claim is filed, adjusters may schedule inspections or request additional materials.
The Insurance Division recommends remaining available during the process and reviewing settlement offers carefully before accepting them.
To support residents, the Hawaii Insurance Division provides a Post-Disaster Insurance Claims Guide and instructional video explaining claim procedures after natural disasters.
These materials outline steps for documenting losses, understanding coverage terms, and communicating with insurers.
Officials also encourage annual reviews of insurance policies. Regular reviews help policyholders understand coverage limits, exclusions, and available endorsements.
The division recommends storing policy documents in waterproof containers or maintaining digital copies through secure cloud storage. Quick access to records often speeds claim processing following disasters.
Another preparedness measure involves creating a home inventory. Residents can photograph each room and record furniture, appliances, electronics, and other valuables. Keeping receipts and serial numbers for high-value items improves claim verification.
The Insurance Division also reminds residents that standard homeowners, condominium, and renters insurance policies usually exclude flood damage.
Flood protection must be purchased separately through the National Flood Insurance Program, which typically requires a 30-day waiting period before coverage begins.
