Let us manage your claim and alleviate the burden of your requirement to prove your loss.

There is no obligation, there is nothing stopping you from making a free call.

“I’m amazed at the

amount of money Hawaii Public Adjusters was

able to secure for me after my fire. I wish I had known about

them earlier” - Maui Client

“The insurance company wasn't going to budge. I was exhausted and

I felt like I had just been beaten up. You cut out all of that stress. My

family was able to celebrate Thanksgiving in our rebuilt home. We are

truly grateful for all that you have done” - Condominium owner

The earlier we are retained, the quicker we will be able to

move forward

Its never too late to call. Now is better than later!

No matter the type, location, or time of your loss, we’re here

to help.

K i c k b a c k , W e ’ v e g o t t h i s o n e .

Let’s get started!

www.hawaiipublicadjuster.com Call 808.856.3041 or toll free 866.390.8060

“I was at work when I got the call”

“My employees called me at home”

“The pipe broke when we were on vacation”

“We need help now! Not next week.

Not next month.”

Wondering where to start is a question that every home and business owner will ask.

We have answers, you have options. You are not alone.

We charge a nominal percentage of the settlement of your claim, which is established

at the very beginning of the claim process. The larger the claim, or the distance or the

difficulty of your loss, relates to the amount of fee incurred. Fees range from 9% to

12% of the adjustment. We do not ask for any payments upfront. We get paid only as

the insurance company pays out on your claim.

We have an obvious vested interest in getting you paid promptly and in the most equi-

table method possible.

NAPIA is the National Association of Public Insurance Adjusters. NAPIA members

across the United States have joined together for the purpose of professional

education, certification, and promotion of a code of professional conduct. Visit their

site at NAPIA.com to view the high standards of its members.

“I literally came to tears when I realized that everything Hawaii Public Adjusters had told me

was coming true. I was so happy!“ - Homeowner, windstorm damage sufferer

“I’ve suffered from two separate fires. In each case I was stunned by the way I was treated by the insur-

ance companies. They made me feel like I had done something wrong. That’s why I became a Public

Adjuster. No one should be treated that way.” Robert Hugh Joslin, CPPA, Principle

Claim Type

Initial Insurance

Offer

Hawaii Public

Adjusters

Clients Increase in Settlement

Claim %

Increase

Fire $4,080 $98,675 $94,595 2,418%

Fire $1,300 $23,875 $22,575 1,830%

Fire $7,457 $132,900 $125,443 1,780%

Wind Storm $3,824 $62,807 $59,807 1,650%

Fire $2,153 $27,624 $25,471 1,280%

Fire $48,680 $480,567 $431,887 980%

Pipe Burst $116,823 $872,233 $755,410 746%

Pipe Burst $12,675 $89,768 $77,093 700%

Flood $17,435 $68,352 $50,917 390%

Fire $220,843 $855,906 $635,063 380%

Pipe Burst $25,836 $98,768 $72,872 380%

Wind Storm $23,087 $71,673 $48,586 310%

Pipe Burst $32,897 $76,567 $43,670 230%

Once you’ve incurred a loss, the insurance company sends their insurance adjuster

to investigate your claim. Those adjusters are working for, and getting paid by, the

insurance company. Those adjusters are looking out for the insurance company's

interest, not yours. He or she is their specialist.

As soon as Hawaii Public Adjusters is retained, our team:

▪ Reviews policy coverage and determines the maximum benefits

▪ Inspects the loss site immediately

▪ Analyzes and records the damages

▪ Assembles the necessary supporting documentation concerning your claim

▪ Calculates the value of the loss

▪ Determines both current replacement and actual cash values of the loss

▪ Aggressively pursues the processing of your claim

▪ Manages the Consultants & Contractors assisting in equating the loss

Hawaii Public Adjusters is a dedicated group of professionals that are licensed,

bonded and insured by the State of Hawaii. We work for policyholders who have

suffered an insured loss. Once retained, we handle every detail of your claim.

We work closely with you in calling upon our close relationships with architects,

engineers, government agencies and notable consultants to provide you with the

most equitable and prompt settlement possible. We do not, nor have we ever,

worked for any insurance company. We work solely for you, the policyholder and

the claimant.

Insurers include a wide array of provisions in policies that lends support to you during your

time of loss. This is how they originally competed for your business. We will maximize the

use of all those provisions to bring you, your home, your business and your world back to

its pre-loss state.

We see it all the time. Too often the policyholder believes everything that their insurance

company told them. One of the few ways insurance companies lose money is when they payout their

claims. It makes perfect sense that they minimize their payouts to ensure they maximize their profits.

It’s in the insurance companies’ financial interest to keep your claim amount as low as possible!

“I cant believe the insurance company is treating me like this”

“What about my lost business income? What about all these expenses”

Take a look below at some of the families and businesses we have had

the pleasure of serving recently.

Hiring Hawaii Public Adjusters holds your insurance company accountable and ensures

you receive everything that you’re entitled to. We turn your claim into our mission.

Photo logs

Detailed estimates

Extensive contents &

Inventory schedules

Detailed drawings

Governmental supports

Architectural documents

Engineering documents

Expert consulting for unique project demands

Hawaii Public Adjusters is a statewide firm that is locally owned and has been caring for the people

and the businesses of our islands for years. When you’re faced with a traumatic event, don’t go at it

alone. You’ll need help from a Hawaii based company. As you decide this matter, ask yourself these

very important questions:

▪ Why does it cost more to build in Hawaii?

▪ Why does it cost more to do business in Hawaii?

▪ Why does it cost more to get things done in Hawaii?

▪ Who knows more about the costs of Hawaii’s unique business and construction costs?

These are all questions that only a firm with over 30 years of business experience in Hawaii can

answer. Hawaii insurance policies contain hundreds of unique provisions, clauses, forms and

endorsements which can be very different from those of other states. We know these differences

and we apply them to help settle your claim. It’s true diligence in claims handling.

Hawaii Public Adjusters handles various types of commercial and residential insur-

ance claims for damages that have occurred to your business, building or home.

Some insurable loss examples are:

▪ Flood damage

▪ Sink holes

▪ Damages from explosion

▪ Additional Living expenses

▪ Vandalism

▪ Earthquake damage

▪ Mold damage

▪ Building collapse

▪ Vehicle into building

▪ and much more!

“Your professionalism and ability to interpret the jargon and objectification saved me from

swimming with and being eaten by the sharks of the Hawaii Insurance Community. I could

not have achieved anything near the resulting settlement without your advice and help. “ -

Molokai Condominium Owner

The amount of proof and supporting documentation

we provide with each of our claims makes it difficult

for an insurance company to argue our adjustments.

No firm compares to our level of expertise and experience in operating within the Hawaiian

construction, insurance and business markets of today. It’s the details that define our claim

management practices.

▪ Fire losses

▪ Smoke damages from any fire

▪ Water damage from broken pipes

▪ Hurricane losses

▪ Kona storm damages

▪ Home contents losses

▪ Business inventory losses

▪ Business interruption claims

▪ Loss of rental income

▪ Tsunami damage

“I consider myself a fairly knowledgeable individual when it comes to contracts, but I was

surprised with the additional coverage Hawaii Public Adjusters revealed to me.

My business was entitled to so much more than I had thought possible. I had no idea!” -

Bed and Breakfast Owner