Short answer: In Hawaii, insurers must acknowledge a claim within 15 working days to respond to claim communications and pay within 30 calendar days after the insurer accepts liability, if the amount is settled and not in dispute. The rules don't set a fixed number of days for deciding. If an insurer misses its deadlines, you can complain to the Hawaii Insurance Division.
The deadlines
| Step | Deadline |
|---|---|
| Acknowledge your claim | 15 working days to respond to claim communications |
| Accept or deny | No fixed number of days. The law says within a reasonable time after proof of loss |
| Pay | 30 calendar days after the insurer accepts liability, if the amount is settled and not in dispute |
Sources: HRS §431:13-103(a)(11).
Details
- If a claim is still unresolved 30 calendar days after you reported it, the insurer must give you a written explanation of the delay.
- The response must do more than confirm receipt; it must address your concerns.
How to use these deadlines
- Report your claim in writing and keep proof of the date.
- Send your proof of loss and requested documents promptly, because many deadlines start only when the insurer has them.
- Keep a log of every call and letter.
- If deadlines pass, ask the adjuster in writing for a status update. If nothing changes, file a complaint with the Hawaii Insurance Division.
Compare other states in our claim deadlines by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Hawaii.
Frequently asked questions
How long does an insurer have to acknowledge a claim in Hawaii?
15 working days to respond to claim communications.
How long to accept or deny a claim in Hawaii?
No fixed number of days. The law says within a reasonable time after proof of loss.
How long to pay a claim in Hawaii?
30 calendar days after the insurer accepts liability, if the amount is settled and not in dispute.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.