Prepare for Weather-Related Insurance Claims in Hawai‘i

As significant Pacific weather systems threaten Hawai‘i with heavy rain and potential flooding, the Department of Commerce and Consumer Affairs, Insurance Division, is urging residents to prepare for possible insurance claims related to weather damages.

The impending storms highlight the importance of being proactive about insurance coverage. Residents are advised to ensure that copies of their property, flood, and auto insurance policies are stored safely, either digitally or in waterproof containers. Creating a detailed home inventory—using photographs, videos, and retaining receipts for high-value items—can further streamline the claims process should damage occur.

Understanding Flood Coverage

One critical aspect often overlooked is that standard homeowners, condominium unit-owners, and renters insurance policies generally do not include flood coverage. To safeguard against flood-related damages, residents can secure flood insurance through the National Flood Insurance Program (NFIP). It's important to note that the NFIP policy activation involves a 30-day waiting period, so timely action is essential. For more detailed information, consulting with an insurance agent or visiting official resources like floodsmart.gov is recommended.

Resources for Hawai‘i Residents

The Hawai‘i Insurance Division offers a range of online tools to help consumers understand insurance terms and requirements, including resources like "My Insurance Doesn’t Cover What?" and "Flood Insurance Basics." These tools are invaluable for residents seeking clarity on their coverage. Additional support can be accessed by contacting the DCCA or visiting their website, ensuring that residents are well-informed and prepared to manage potential claims efficiently.