“After the initial shock following a flood, people with losses should start the claims process,” said Insurance Commissioner Colin Hayashida. “We sincerely empathize with consumers frustrated to learn that their homeowner’s and auto policies often do not cover flood damage. Our office is available as a resource for affected consumers with questions or concerns as they work through the claims process.”
Although homeowner’s insurance does not cover flood damage, consumers should contact their agents regarding any extended coverage under their policies or if they have a National Flood Insurance Policy. Additional steps homeowners should take immediately:
- Secure your property to prevent further damage
- Keep all receipts of any purchases made
- Check for damage and take pictures
- Report your damage to your insurance agent
- Submit claim forms if requested by your insurance company
- Set damaged items aside for later review or inspection by an adjuster
- Do not begin permanent repairs until damage is inspected by an adjuster
- Work with an adjuster and a licensed contractor to estimate the cost of repairs
For flood damage to a car, Comprehensive or Other-Than-Collision coverage in a motor vehicle policy may provide the appropriate coverage.
While the severe weather event serves as an unfortunate reminder that flooding can happen any time during the year, Hawaii’s hurricane season is also quickly approaching in June. The Insurance Division also provides information on flood and hurricane insurance. Additional information is posted online on the Consumer Information section of the division’s website under Consumer Resources at: https://cca.hawaii.gov/ins/resources/.
Consumers with questions may contact the Insurance Division via email: insinv@dcca.hawaii.gov or by calling (808) 586-2790.
