Understanding Flood Insurance in Hawai'i: What You Need to Know

The Hawai'i Department of Commerce and Consumer Affairs Insurance Division urges residents to understand their insurance policy coverages, especially with the approach of severe weather. Homeowners and renters should note that flood insurance is distinct from standard homeowners insurance, typically required only in designated high-risk areas. However, given recent flooding events beyond these zones, the division strongly advises property owners and tenants to consider flood coverage.

Flood insurance generally covers physical damages from rising water, affecting structural components like foundations, walls, plumbing, and electrical systems. It also covers essential personal property, such as furniture and appliances. Policyholders should be aware of coverage limits and exclusions, as items like landscaping and luxury goods may not be included.

Those without flood insurance can apply for federal disaster assistance if a disaster is declared, and explore local relief options. For flood insurance information, visit FloodSmart.gov.

Policyholders needing to file claims should promptly contact their insurance carriers, report damages, and obtain a claim number. Crucially, document damages thoroughly with photos or videos, and keep items for adjuster review. Delay repairs until insurers approve, and retain receipts for temporary fixes and living expenses for potential reimbursement.

The Hawai'i Insurance Division offers resources such as a Post-Disaster Insurance Claims Guide and a claims-filing instructional video. For assistance, contact the division at 1-844-808-DCCA (3222) or visit their website for more on claims, disaster recovery, and insurance concerns.