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Important Information for Hawaii Policyholders

Whether a storm is on the horizon or your Hawaii property has been ravaged by a storm, fire, vandalism, flooding, or seismic activity, help is readily available. Check this list of resources for Hawaii business and property owners and take action to protect your property and your rights.

Before a Disaster Strikes

  • Download our free contents inventory software. By inventorying the contents of your home or business before a loss occurs, you'll be better prepared to prove your losses. This is a must for all policyholders.
  • Consider purchasing national flood insurance. Most natural flooding is specifically excluded from insurance policies and therefore not covered. National flood insurance is available through the federal government's National Flood Insurance program at FloodSmart.gov.
  • Plan for an emergency. Put together disaster kits for your home, office, and cars and discuss disaster procedures and escape routes with your family and coworkers.
  • Monitor Hawaii weather and seismic conditions. Bookmark the National Weather Service Forecast Office for Hawaii and stay on top of the latest hurricane, tsunami, and weather forecasts.  

 

After a Disaster Strikes

If you've survived a disaster but have suffered property losses, help is available from a variety of government agencies, non-profits, and private organizations.

  • DisasterAssistance.gov – This website puts information from 17 federal agencies in one place, and makes it easy to immediately apply for disaster assistance.
  • RedCross.org – The Red Cross is always one of the first responders after a disaster, offering shelter, food, water, blood, and emergency supplies in the immediate aftermath.
  • Hawaii.gov – The official website of the State of Hawaii has an extensive emergency information page covering everything from the latest volcanic eruptions and weather forecasts to a list of emergency shelters in Hawaii.
  • Your Insurance Company – You'll need to notify your insurance company of your loss as soon as possible and begin the claims process. Keep all receipts for food, emergency lodging, mileage, and other expenses as they may be reimbursable under your policy.
  • HPIAA.com – Visit the Hawaii Public Insurance Adjusters Association to find a public insurance adjuster to represent you during the insurance claims process. Public adjusters work exclusively for you and handle everything from forms and documentation to loss estimates, negotiations, dispute resolution, and more.