2026-03-21
Added · Updated
The Hawaii Department of Commerce and Consumer Affairs Insurance Division issues this guide to help policyholders navigate the insurance claims process following natural disasters. It outlines critical steps for securing property, reporting damage, and understanding coverage types such as Additional Living Expenses and the roles of various insurance adjusters. The document also details settlement procedures, dispute resolution methods like appraisal and arbitration, and provides resources for consumers facing denied claims or contractor fraud.