New Flood Insurance Resources for Hawaii Homeowners

The Hawaii Department of Commerce and Consumer Affairs (DCCA) Insurance Division has unveiled new resources to assist homeowners with filing flood insurance claims. The latest initiative includes a comprehensive Post-Disaster Insurance Claims Guide and an instructional video detailing each step of the claims process, aimed at easing the burden during stressful post-disaster recovery periods.

In response to recent severe weather events, the Insurance Division highlights the importance of understanding insurance policy details, emphasizing that flood insurance differs from standard homeowners' insurance. While flood insurance is generally required only in designated high-risk zones, recent weather patterns suggest all property owners should evaluate the benefits of acquiring flood insurance to better manage potential risks.

Typically, a standard flood insurance policy covers structural damages from rising water, impacting a building’s foundation, walls, and utility systems. Homeowners who experienced flooding but lack coverage may qualify for federal disaster assistance if a declaration is issued. The DCCA urges policyholders to contact their insurance carriers quickly to obtain claim numbers and meet documentation deadlines. For additional guidance, Hawaii residents can consult the Hawaii Insurance Division at 1-844-808-DCCA (3222) or explore the DCCA’s website for resources on claim filing and regulatory compliance in disaster recovery planning.