HONOLULU (KHON2) — Severe weather this week left many property owners with damaged or destroyed structures across the state.
Consumers should contact their agents regarding any extended coverage under their policies even though most standard homeowners insurance does not cover flood damage. They may also visit the National Flood Insurance Policy website or call 1-877-336-2627.
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Listed below are resources to help prepare for another unpredictable rainy event.
- Official DLNR Flood and Dam Section Twitter account
- DLNR Engineering Division’s National Flood Insurance Program
- DLNR Flood Hazard Assessment Tool (FHAT)
- National Flood Insurance Program
- This reputable blog site provides information on floodplain management and flood insurance in Hawaii.
- Flood Zone Definitions
- The State Dam Inventory System has information on all of Hawaii’s state regulated dams. Users can select a dam and find out owner information, hazard potential classification and evacuation maps.
- Click here to find out if you live or work in a dam evacuation zone.
The Department of Commerce and Consumer Affairs Insurance Division is also available to answer flood damage and coverage questions.
“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.”
Homeowners should take these steps 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.
Comprehensive or Other-Than-Collision coverage in a motor vehicle policy may provide the appropriate coverage for flood damage to a car.
While this week’s weather events serve as a reminder that flooding can happen any time, Hawaii’s hurricane season is also quickly approaching in June.
Click here for information on flood and hurricane insurance.