Hawaii’s Premier Public Adjusting Firm

Your Insurance
Company Has an
Adjuster. So Should You.

Island Claims assigns the right licensed PA to every case, manages your entire claim, and fights for the maximum settlement your property loss deserves.

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0Years Experience
$0Upfront Cost
AllHawaiian Islands

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Our team reviews every submission and responds within 24 hours

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Policy · Photos · Claim docs · PDF, JPG, PNG · 20MB max each

No upfront cost. We only get paid when you receive your settlement.
Your information is confidential and never shared. Mahalo.

Mahalo! We Have Your Submission.

Our team will review your claim and assign the right licensed PA to reach out within 24 hours.

ISLAND CLAIMS · WE’VE GOT YOU

Hawaii coastline
Headquartered on Maui · Serving All Islands
Our Story

Born on Maui.
Built for Hawaii.

Island Claims was founded on one principle: Hawaii property owners deserve the same level of professional representation that insurance companies deploy against them.

Our team of licensed public adjusters is embedded in the communities we serve. We have lived through Hawaii’s hardest property losses — from wildfire to hurricane — and we know exactly how insurance companies handle, and mishandle, legitimate claims.

We evaluate every claim as a firm, assign the licensed PA whose expertise best fits your loss, and manage the process from first inspection to final settlement.

LICENSED HAWAII PA FIRM 16+ YEARS EXPERIENCE CONTINGENCY ONLY MAUI STRONG
Why Island Claims

A Firm That Fights Smarter

16+ years of expertise. A team-based model. Every client gets the licensed PA whose skills best match their specific loss.

Team-Managed. Expert-Led.

Every claim is evaluated by our firm and assigned to the PA best suited for your specific loss type and situation.

Rooted in Hawaii

We live here. We know the properties, weather, contractors, and local insurance landscape across every island.

Zero Upfront Cost

Contingency only. We do not get paid until you do. Your complimentary review is 100% no-obligation.

Full-Service Representation

Documentation, estimates, negotiation, appeals. The entire claims process managed on your behalf.

Denied? We Reverse It.

Denied and underpaid claims are our specialty. We re-evaluate, re-document, and re-engage with evidence.

Local Trust. Aloha Spirit.

We are not a mainland firm with a Hawaii office. We are Hawaii — built here, invested here, fighting for our community.

Why Representation Matters

The Difference a Fighter Makes

Insurance companies calculate their first offer to protect their bottom line — not yours. Professional documentation and negotiation changes the outcome.

A Typical Claim Journey — Illustrative

Insurer first offerUndervalued
Self-negotiated outcomePartial
Fully documented & professionally negotiatedFull Value

Illustrative comparison of how thorough documentation, policy expertise, and professional negotiation typically affect claim outcomes. Every claim is unique.

  • Every covered damage found

    Hidden water intrusion, smoke penetration, code-upgrade costs — we document what walk-through adjusters miss.

  • Estimates built to withstand pushback

    Line-item, code-referenced, contractor-verified estimates your insurer cannot wave away.

  • Policy language on your side

    We read the fine print the way carriers do — and hold them to every word of the coverage you paid for.

Protecting Hawaii Homes

From Ohana Units to Oceanfront Estates —
Your Property Deserves a Fighter.

Every roofline, every lanai, every family home carries a story. When damage strikes, we make sure your insurance company honors the full value of yours.

How It Works

From First Contact to Final Settlement

We manage every step so you do not have to.

1

Complimentary Review

Submit your details. Our team evaluates your loss and coverage within 24 hours.

2

PA Assignment

We match your claim to the licensed PA best suited for your specific loss type.

3

Inspection & Docs

Your PA inspects the property, documents all damage, and builds a complete claim file.

4

Negotiation

We submit, negotiate, and push back against low offers using evidence, not assumptions.

5

Maximum Settlement

We secure your best possible outcome. You only pay us when you get paid.

Who We Serve

Residential & Commercial

Hawaii residential home

Homeowners

SINGLE FAMILY · CONDO · VACATION RENTAL · OHANA
  • Fire, flood, or storm damaged your home
  • Insurer offer does not cover your actual loss
  • Claim was denied — unsure what to do next
  • Want your policy reviewed before filing
  • Suspect damage but have not filed yet
Hawaii commercial property

Business Owners

RETAIL · HOTEL · RESTAURANT · MULTI-FAMILY
  • Property damage affecting operations or revenue
  • Business interruption loss from a covered event
  • Complex commercial policy you need decoded
  • Underpaid or stalled commercial claim
  • Multi-structure or multi-location property loss
What We Handle

All Major Claim Types

Fire & Smoke

Wildfire · Contents

Water Damage

Pipes · Leaks

Hurricane

Wind · Surge

Storm Damage

Rain · Debris

Roof Damage

Leaks · Collapse

Mold

Remediation

Flood

Flash · Tsunami

Theft & Vandalism

Property crime

Business Interruption

Income · Operations

Denied Claims

Appeals · Resubmit

Underpaid Claims

Reopen · Renegotiate

Policy Review

Know your coverage

Common Questions

FAQ

A public adjuster is a licensed professional who works for you — the property owner — not the insurance company. Island Claims operates as a firm: every claim is evaluated by our team, assigned to the PA with the right expertise, and managed all the way through final settlement.
Nothing upfront. We work on contingency — a percentage of the settlement we recover for you. Your complimentary review and property inspection are completely free with zero obligation.
Yes. Denied and underpaid claims are a core focus of our firm. We review your denial letter, policy, and damage documentation, then fight the decision with a complete evidence package.
That is exactly what our Complimentary Damage Review is for. Share what happened and any photos you have. Our team gives you an honest assessment — no pressure, no commitment.
We serve all Hawaiian Islands: Maui, Oahu, Big Island, Kauai, Molokai, and Lanai. Our team is based in Hawaii — not a mainland firm with a remote rep.
Ready to Start?

Do Not Face Your Insurance
Company Alone.

Submit your claim for a complimentary review. Our team evaluates it and responds within 24 hours. No cost. No obligation.

Get Your Complimentary Review