Prepare for Hurricane Lala: Key Insurance Tips for Hawai'i Residents

The Hawai'i Department of Commerce and Consumer Affairs Insurance Division is warning residents to brace for Hurricane Lala's potential impact and is urging policyholders to secure their insurance documents.

As Hurricane Lala approaches, the Insurance Division recommends that Hawai'i residents take proactive measures to safeguard their assets and facilitate claims processes. Policyholders should ensure that their insurance documents—encompassing property, flood, and auto insurance details—are stored in waterproof folders or digital formats. This preparation is crucial for quick access during what could be a challenging filing claims process post-storm.

Preparing for Potential Damage

Residents are encouraged to meticulously document their possessions ahead of the hurricane. Photographing and videotaping furniture, appliances, and valuables, as well as retaining receipts for high-value items, can substantiate claims efficiently. Given that standard homeowner, condominium, and renters insurance typically exclude flood damage, residents may need to consider separate flood insurance through the National Flood Insurance Program. It's essential to remember that a 30-day waiting period usually applies before the policy becomes effective.

Insurance Readiness Tips

• Organize insurance documents in a waterproof folder or digital format.
• Document belongings with photos or videos.
• Retain receipts for all high-value items.
• Consider purchasing flood insurance to complement existing coverage.

Accessing Resources and Support

In these circumstances, the Hawai'i Insurance Division provides valuable online resources, including guides addressing potential insurance coverage gaps and flood insurance basics. Residents seeking further assistance can contact the division directly at 1-844-808-DCCA (3222). This effort to inform and equip the community underscores the vital role insurance preparation plays in managing risk and ensuring a smoother recovery process in the wake of natural disasters.