FEMA declared an emergency for Tropical Storm Nolo in Hawaii on 2026-09-25, covering Honolulu County, Kauai County, Hawaii County, Maui County. If your home, business or vehicles were hit, here is what to do first and how we help, whether or not you are our client.
The first 72 hours
- Stay out of unsafe structures; wait for officials before returning to evacuated areas.
- Photograph and video every damaged room, item and vehicle before you clean up or throw anything away.
- Make temporary repairs that stop further damage (tarp a roof, shut off water) and keep every receipt; policies pay for reasonable emergency repairs.
- Keep receipts for hotels, meals and mileage if you can't live at home: additional living expense coverage pays them.
Filing the claim
- Report the loss to your insurer right away, even before you know the full damage; you can add to it later.
- Ask for the claim number, the adjuster's name and direct line, and the policy's proof-of-loss deadline.
- Don't sign an assignment of benefits or a repair contract on the spot; get the adjuster's estimate first and a second estimate from a licensed contractor.
- Flood damage is a separate claim under a flood policy (NFIP or private); wind and rain damage are under the home or business policy.
Help beyond your policy
- Check DisasterAssistance.gov for whether individual assistance opens for this declaration.
- SBA disaster loans cover uninsured losses for homeowners, renters and businesses in declared areas.
- No insurance or a policy that won't respond? The state's market of last resort (FAIR Plan for property, NFIP for flood) and private options are in our insurance company directory.
How we help
Our clients: reply to any of our emails or text us with "claim" and what happened; we file it, chase the adjuster and keep you posted. Anyone else: send what happened and we'll read your policy with you and tell you what it should pay and what to ask for, at no charge. Call (877) 711-4545.