Hawaiʻi Residents Urged to Safeguard Properties and File Insurance Claims
The Hawaiʻi Department of Commerce and Consumer Affairs Insurance Division has issued a timely reminder for residents to safeguard their properties and promptly file insurance claims in response to the recent severe weather. Policyholders should swiftly reach out to their insurance companies or agents if they encounter damage to their homes, vehicles, or personal belongings. It is essential to secure a claim number and verify any filing deadlines to ensure efficient processing of coverage and avoid unnecessary delays.
Homeowners are advised to document all damages meticulously, using photos or videos, and retain damaged items until assessed by an insurance adjuster. While temporary measures like tarping roof leaks or boarding up windows can prevent further damage, permanent repairs should only proceed with insurer approval. Additionally, maintaining a detailed record of expenses related to the damage, such as temporary lodging and meal costs, is crucial for successful claim processing.
When engaging with an insurance adjuster, policyholders are encouraged to cooperate fully and provide all necessary documentation for the inspection. It's important to carefully review any settlement offers and raise questions if there is any doubt about the details.
To support residents, the Hawaiʻi Insurance Division offers a Post-Disaster Insurance Claims Guide and an informative video tutorial on filing claims. These resources provide practical advice on documenting losses, understanding insurance coverage, and effectively collaborating with insurers after a disaster. The division also recommends that residents annually review their insurance policies to ease the claims process following such events.
Homeowners, renters, and condominium unit owners should routinely evaluate their insurance coverage to comprehend the extent of their protection. Storing copies of insurance policies in a waterproof container or digitally in the cloud ensures accessibility during emergencies. Creating or updating a home inventory, including photos or videos of each room and records of high-value items, can significantly expedite the claims process.
It's important to note that most standard policies exclude flood coverage, which can be obtained through the National Flood Insurance Program, typically requiring a 30-day activation period. The Hawaiʻi Insurance Division offers a range of online resources to help consumers better understand their insurance coverage. For more information, residents can visit the Hawaiʻi Department of Commerce and Consumer Affairs Insurance Division website or call 844-808-3222 for guidance on filing claims, disaster recovery, and related insurance inquiries.