Hurricane Preparedness & Tips for Storm Claims

Posted on Aug 6, 2018 in Slider


  • Review your policy
  • Have contact information for your agent or insurer handy
  • Take inventory (photos or videos) of property
  • Secure property to prevent and limit damage
  • Ensure the safety of yourself and family


  • Once it is safe, check for damage
  • Secure your property to prevent further damage (keep receipts for any materials used)
  • Report your damage to your insurance company or agent (make a claim)
  • If your home or condominium is uninhabitable, ask if your policy covers the cost of temporary/alternative housing.
  • Submit proof of loss forms or other claim forms if requested by your insurance company
  • Set damaged items aside for later review/inspection by your adjuster
  • Don’t begin permanent repairs until damage is inspected by your adjuster or told to do so by your insurer
  • Work with your adjuster and contractor to estimate the cost of repairs
  • Receive settlement check and begin repairs
    • There may be supplemental payments issued by your insurance company if additional damage is uncovered in the course of repairs
    • Be careful of scams, do not sign your entire claims check over to a contractor
    • If the damage is extensive and you have a mortgage, your claim check may list you and your lienholder as payees

(PDF) Tips for Storm Claims

Other Resources:

(PDF) Guide to Hurricane Strengthening of Hawaii Residences

(PDF) My Insurance Doesn’t Cover What?

(PDF) Hawaii Insurance FAQ 2016-2017