Our Solutions 

Island Claim Solutions represents Hawaii homeowners, condominium associations, and commercial property owners whose properties have been damaged by hurricanes, tropical storms, Kona lows, and high-wind events. As licensed public adjusters, we work only for the policyholder, never the insurance company. We review your policy to find every coverage that applies, document the full extent of the wind and resulting water damage, and prepare a detailed, defensible scope and estimate. Then we present and negotiate your claim directly with the carrier. Windstorm claims in the islands bring their own challenges, including higher materials and labor costs, long shipping times, island-specific building codes, and carriers who are quick to blame wear and tear or pre-existing conditions. Our team knows these issues and handles the paperwork, deadlines, and carrier communication for you, so you can focus on recovering while we work to get you the full settlement your policy promises. 

When you and your insurance carrier agree that a loss is covered but can’t agree on what it’s worth, the appraisal clause in most property policies offers a faster, lower-cost alternative to litigation. Your appraiser guides Hawaii policyholders through the whole appraisal process, from deciding whether appraisal is the right strategy to formally invoking the clause and building the documented valuation that supports your position. Under the typical appraisal provision, each side selects a competent, independent appraiser, and the two appraisers work to agree on the amount of loss. If they can’t, a neutral umpire decides any remaining differences. Our job is to make sure your side of the table is fully prepared, with accurate scopes, current Hawaii pricing, and thorough supporting evidence, so the final award reflects the true cost to repair or replace your property.