Understanding flood insurance coverage as stormy weather continues

Hawaiʻi Department of Commerce and Consumer Affairs Insurance Division encourages residents to know what their policies cover so they can efficiently recover any losses after the passing of a second kona low to strike the islands in less than 2 weeks.

Flood insurance is separate from homeowners insurance and generally not required unless a property is in a designated high-risk flood zone.

However, the first powerful kona low that slammed into Hawaiʻi a week ago and now its sequel this week reminded everyone that flooding can happen outside of those areas.

That’s why all homeowners and renters are strongly encouraged to consider purchasing and maintaining flood coverage.

A standard flood insurance policy normally helps cover physical damage caused by rising water, such as damage to a home’s structure — including foundation, walls, electrical and plumbing systems — and certain essential contents such as appliances and personal belongings.

Coverage is subject to policy limits and exclusions though, so items including landscaping, temporary housing costs and some high-value personal property might be limited or not covered.

People who experienced flood damage but don’t carry flood insurance could look to federal disaster assistance programs — if a disaster declaration is made — or explore available local relief resources.

Find additional information about flood insurance at the Federal Emergency Management Agency website.

What to know if you need to make a claim

• Contact your insurance company or agent right away if you already carry flood insurance and need to report damage to your home or vehicle.
• Ask for your claim number and confirm any deadlines for filing or submitting documentation.
• You will need to take clear photos or videos of any damage and, if safe, keep damaged items until the insurance adjuster sees them.
• Avoid making permanent repairs until your insurer approved them.
• Keep receipts for all expenses, including temporary repairs, hotel stays, meals and other related costs.

Hawaiʻi Insurance Division developed a “Post-Disaster Insurance Claims Guide” and instructional video about how to file an insurance claim to help residents navigate the claims process.

Consumers can also contact Hawaiʻi Insurance Division at 1-844-808-DCCA (3222) or visit the division website for additional claim-filing tips, disaster recovery resources and assistance with insurance-related concerns.