Following recent high winds and heavy rain across Hawaii, the Hawaii Department of Commerce and Consumer Affairs Insurance Division is reminding residents to review their insurance coverage and file claims promptly if they experience storm-related damage.
Officials advise that homeowners, renters, and vehicle owners contact their insurance company or agent immediately after discovering damage. Reporting losses quickly allows insurers to begin the claims process and helps ensure coverage is applied correctly. Policyholders should request a claim number and confirm any deadlines for submitting documentation.
The Insurance Division also recommends documenting all damage with clear photos or videos. If conditions are safe, residents should keep damaged property available for inspection until an insurance adjuster reviews it. At the same time, policyholders should take reasonable steps to prevent further damage. Examples include placing tarps over roof leaks or boarding broken windows. However, officials advise avoiding permanent repairs until the insurer approves them.
Residents should also maintain detailed records related to storm damage. This includes receipts for temporary repairs, hotel stays, meals, or other expenses connected to the event. Documentation should identify what was damaged, when the damage occurred, and what actions were taken to protect the property.
Once a claim is filed, insurance adjusters may schedule inspections or request additional documentation. The Insurance Division encourages policyholders to remain available during the process and to review settlement offers carefully. If any part of the settlement is unclear, policyholders should ask questions before accepting the offer.
To assist residents during recovery, the Hawaii Insurance Division offers a Post-Disaster Insurance Claims Guide and an instructional video that explains how to file a claim. These resources provide step-by-step information on documenting losses, understanding coverage, and communicating with insurers following a disaster.
In addition to post-storm guidance, the Insurance Division encourages residents to review their insurance policies each year. Regular policy reviews help individuals understand what coverage is included and what exclusions may apply.
Officials also recommend storing copies of insurance policies in a waterproof container or maintaining digital copies in a secure cloud storage service. Access to these records can help streamline the claims process in the event of a disaster.
Another preparedness step involves creating or updating a home inventory. Residents can photograph or record each room and document furniture, appliances, electronics, and other valuables. Maintaining receipts, serial numbers, and records for high-value items can help verify ownership and speed up claim evaluations.
The Insurance Division also reminds residents that standard homeowners, condominium unit owners, and renters insurance policies typically do not cover flood damage. Flood insurance is available separately through the National Flood Insurance Program. In most cases, flood policies require a 30-day waiting period before coverage becomes effective.
Several online resources are available to help consumers better understand their coverage. These include the guides “My Insurance Doesn’t Cover What?” and “Annual Review of Your Insurance Policies,” both offered by the Hawaii Insurance Division.
Residents seeking additional assistance can visit the Hawaii Department of Commerce and Consumer Affairs Insurance Division website or call 844-808-3222 for information about filing claims, disaster recovery resources, and insurance-related questions.
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