Work With Trusted & Experienced

Public Adjusters In O'ahu, Hawaii That Work For YOU!

100% Contingency Based. We Don't Get Paid Unless YOU Get Paid!

*Not All Services Available In All Areas. 

Don't Settle For Less!

Get The HIGHEST & Most FAIR Settlement Amount, That You Are Legally Entitled To, From Your Insurance Claim!

Get a free on-site inspection & insurance policy evaluation from one of our expert public claims adjusters!

Work with highly trained & verified O’ahu public adjusters who are state-licensed, bonded, and trained to handle all residential or commercial insurance claims, big or small!

Public Claims Adjusters Network (PCAN) member public claims adjusters in O’ahu, Hawaii offer technical and detailed expertise that has satisfied countless homeowners, business owners, condominium associations, property management companies, and HOAs.

Our network members have years of experience dealing with insurance companies. Many of our network’s public adjusters also have previous backgrounds in construction and/or insurance, giving them a significant advantage in quickly securing the highest claim settlement compensation for their clients.

They know what to look for, what repairs actually cost, and what the insurance company’s adjusters tend to ignore (and hope you don’t know about!).

Consultations are always:

  • Friendly
  • Free
  • No-Obligation
  • 100% contingency-based In Nearly Every State

… meaning your public adjuster doesn’t get paid, unless you get paid!*

Public Claims Adjusters Network public adjusters take pride in providing superior customer service, and clear & friendly communication. Please fill out our contact form to schedule a no-obligation consultation with one of our network’s licensed & verified Hawaii public claims adjusters today!

*Some Services Not Available In All Areas. Contingency Fee Not Permitted By Law In Lousianna. By law, services in Kansas are only available for commercial claims.

Request Your No-Obligation Consultation With a PCAN-Verified Member Public Adjuster Today!

*Some Services May Not Be Available In All Areas. Public Claims Adjusters Network (PCAN) is not a Public Adjusting Agency. PCAN is a private network of stringently vetted, state-licensed, bonded, and PCAN Verified Public Adjusters with members Nationwide. Your contact request will be matched to one of our verified member public adjusters serving the O’ahu community, to ensure the highest quality of service & care.

Up To 0 %

Higher Claim Payouts When Using A Public Adjuster According To Landmark OPPAGA Study!

0 %

Contingency Based. We don’t get paid, unless you get paid!

*Contingency fees not permitted by law in Louisiana.

Public Adjuster Graph
Public Adjuster Graph

Why Hire A Public Claims Adjuster In O'ahu Hawaii?

O’ahu Public Adjusters Help Get You The HIGHEST & Most Fair Settlement Amount (That You Are Legally Entitled To) From Your Homeowners, Roofing, Condo & HOA, & Business Insurance Claims!

Get a Free On-Site Inspection & Insurance Policy Evaluation From One Of Our Expert public insurance adjusters Members Today!

*Some Services Not Available In All Areas. 

What Our Network Of Licensed O'ahu Public Insurance Adjusters Bring To The Table

Insurance Policy & Claims Specialists For O'ahu Residents

PCAN member public claims adjusters have years of experience in claims & reviewing coverages. As such, they understand the numerous types of policies and endorsements you may experience when dealing with your claim in O'ahu, Hawaii. Their expertise allows them to find & utalize the various coverages your policy may have, and in many cases, inform you of coverage & clauses you may not even know about.

Advocates For Homeowners, Businesses, & HOA's In O'ahu, Hawaii

PCAN member public insurance claims adjusters advocate for your rights as the policy holder. They ensure that the clients’ rights are being protected throughout the claims process, and make sure you get all the benefits you are entitled to based on your policy. Public adjusters are there with you every step of the way!

Experts In Seen & Unseen Damages For O'ahu Homeowners Insurance Claims

PCAN member public claims adjusters in O'ahu, Hawaii have years of experience identifying damage, and in most cases, come from professional construction, roofing, and insurance backgrounds. As such, they are able to find & isolate damages that you may not even know to look for, or know would/should be covered by your policy! They also incorporate the latest assessment techniques & technology when conducting their property inspections.

Expert O'ahu Damage Claim Negotiators

Settlement negotiation is critically important when it comes to the claims process. Public adjusters in O'ahu, Hawaii know how the insurance companies think, and come to the negotiation table fully prepared to defend & enforce your rights. PCAN member public insurance adjusters have the expertise and experience in claims negotiations to ensure that you get what you are actually entitled to under your policy ... not what the insurance company tells you that you are, based on their own interests. When the insurance company plays hardball or puts up a fight, your public adjuster won't be afraid to get in that ring and fight them for what's rightfully yours!

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Frequently Asked Questions (FAQ) About O'ahu Hawaii Public Adjusting

O’ahu Public adjusters are licensed insurance professionals who work independently to advocate for policy holders in the insurance claims process. According to the National Association of Public Insurance Adjusters (NAPIA) they are professionals act as advocates for property owners, ensuring their interests are protected in dealing with insurance companies..

The role of public adjusters has become more significant over the last few years, specifically as insurance claims grow more complex. A landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) revealed that policyholders who utilized public adjusters received settlements up to 800% higher than those who dealt with claims independently.

Public adjusters provide comprehensive services throughout the claim process. They conduct thorough assessments of the damages, and prepare and file necessary documents, and handle all communications with insurance companies. This professional support significantly reduces the time and stress involved with filing claims, allowing policyholders to concentrate on rehabilitating.

Working mostly on a basis of contingency fees which typically range from 10% to 20% of the final settlement, public adjusters are rewarded for securing the maximum possible compensation for their clients. The fee structure is depending on the complexity of the claim state regulations, as well as required resources.

These professionals possess vast understanding of insurance policies,  and building codes, as well as construction costs. They apply this knowledge to:

  • Expedite the claims process
  • Document and assess the damages thoroughly
  • Navigate complex policies
  • Directly negotiate with insurance carriers
  • Be sure to comply with filing deadlines and additional policy requirements

Research has clearly shown that professional representation during the claims process often leads to more comprehensive settlements and quicker claim resolution times. Public adjusters’ understanding of insurance regulations and industry practices helps prevent common pitfalls that could otherwise hinder or delay settlements.

Related Story: Are Public Adjusters Worth It?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Research and analysis have shown that hiring a public insurance adjuster can substantially increase policyholder claim settlements. According to groundbreaking study by the Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who utilized public adjusters received settlements up to 800% higher than those who dealt with claims on their own.

Public adjusters in O’ahu, Hawaii serve as licensed professionals who advocate exclusively for policyholders throughout the claim process. The National Association of Public Insurance Adjusters (NAPIA) states that these state-licensed professionals offer detailed claims management services, which include detailed documents for property damage as well as policy interpretation as well as settlement discussions with insurance companies.

The value of representation by a professional is evident in final settlement figures, as professionally managed claims generally produce more detailed damage estimates, and more accurate valuations of losses.

Public adjusters streamline the claims process by:

  •  Handling all correspondence and documentation with insurance companies    
  • Conducting detailed property damage assessments  
  • Preparing comprehensive claim submissions
  • Negotiating directly with insurance carriers    
  • Accelerating the settlement timeline  
  • Ensuring compliance with policy requirements and deadlines  

The majority of public adjusters operate on a basis of contingency fees, that typically range between 10% and 20 percent of the final settlement amount. The fee structure is aligned with the interests of the adjuster with those of the policyholder, as their compensation is contingent upon securing a favorable settlement agreement.

A Public adjuster’s expertise often is invaluable in complicated claims, where technical knowledge of building codes, construction costs, and insurance policy provisions can significantly impact settlement outcomes.

Their expert oversight ensure no insured damages are missed and claims are properly valued in accordance with current market conditions.

Related Story: When Should You Hire A Public Insurance Claims Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Public adjusters typically operate on a contingency fee basis, charging between 10% to 20% of the final insurance claim settlement. According to the National Association of Public Insurance Adjusters (NAPIA), these fees vary based on claim complexity, state regulations, and required resources. The contingency fee structure ensures that public adjusters’ interests align directly with those of their clients, as their compensation depends on securing favorable settlements. 

Before engagement, policyholders should carefully review fee arrangements and contract terms, ensuring clear understanding of the service agreement. According to the Insurance Information Institute (III), public adjusters must maintain state licenses and adhere to strict professional standards, providing an additional layer of consumer protection. Their role becomes particularly valuable in complex claims where specialized knowledge can significantly impact settlement outcomes.

landmark study by the Office of Program Policy Analysis and Government Accountability (OPPAGA) demonstrated that policyholders who engaged public adjusters received settlements up to 800% higher than those who handled claims independently. This significant difference underscores the value these professionals bring to the claims process.

Related Story:How Does A Public Adjuster Work?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Complex insurance claims usually require expert knowledge to effectively navigate. Public insurance adjusters, state-licensed professionals who solely work for policyholders, can significantly impact claim outcomes as well as settlement amount.

There are a variety of scenarios that require the use of a public adjuster:

  • Extensive property damage
  • Claims that involve multiple types of coverage
  • Disputed claims or partial claim denials      
  • Complex documentation requirements
  • Situations that are time-sensitive and require immediate attention

Public adjusters streamline the claims process by:

  • Conducting thorough damage assessments
  • Preparing and filing the necessary documentation 
  • Managing communication with insurance companies 
  • Settlement negotiations on behalf of the policyholders 
  • Ensuring compliance with the policy terms and deadlines

Public adjusters particularly benefit policyholders because of:

  • Stress reduction by utilizing expert claim management
  • Speeding up the settlement process 
  • Giving objective damage assessments
  • Ensuring comprehensive documentation
  • Utilizing industry-specific expertise to ensure fair settlements

Related Story:Are Public Insurance Adjusters Legitimate?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

Navigating the insurance claims process requires careful timing and professional expertise. Understanding when to engage a Hawaii public adjuster can significantly impact claim outcomes and settlement amounts. According to the National Association of Public Insurance Adjusters (NAPIA), policyholders can benefit from hiring a public adjuster at any point during an active claim, though earlier engagement typically yields better results.

Key timing considerations include:

Statute of Limitations:

  • Each state maintains different deadlines for filing insurance claims
  • Claims must be initiated within these legal timeframes
  • Public adjusters can assist with existing claims, even if initially filed independently

Documentation Requirements:

  • Public adjusters help organize and prepare comprehensive claim documentation
  • They can recover or reconstruct missing documentation
  • Professional documentation improves claim validity and settlement potential

Claim Status:

  • Active claims benefit from professional representation
  • Denied claims may be reopened with proper documentation
  • Disputed settlements can be renegotiated

Public adjusters provide valuable services throughout the claims process Including:

  • Expedited claim processing through professional management
  • Expert negotiation with insurance carriers
  • Complete documentation preparation and submission
  • Regular communication with insurance companies
  • Stress reduction through professional claim handling
  • Maximum settlement potential through experienced representation

Related Story:Common Public Insurance Adjuster Pitfalls & How To Avoid Them

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

The decision to employ a state-licensed public claims adjuster, even when an insurance company has assigned its own adjuster, can significantly impact the final result of an insurance claim.

While the insurance company adjusters work for their employer’s interests … public insurance claims adjusters In O’ahu, Hawaii serve as dedicated advocates for policyholders. The National Association of Public Insurance Adjusters (NAPIA) highlights that these state-licensed & regulated professionals operate independently to ensure fair settlement of claims and a thorough policies are interpreted.

Public adjusters streamline the claims process by coordinating documents and conducting thorough assessment of the damage and handling all communication with insurance companies. This type of professional intervention usually speeds up claim resolution and decreases homeowners’ administrative burdens.

The value of public adjusters isn’t only limited to monetary benefits. These professionals offer professional guidance during the claim process, guiding clients through the complexities of policy and ensuring that every damage is properly documented and assessed.

They make detailed damage estimates, gather necessary evidence, and negotiate directly with insurance companies to maximize settlement outcomes.

Insurance claims can be complicated and time-consuming and require a professional’s assistance, which makes their representation essential during major loss events. Public adjusters’ expertise in negotiation and policy interpretation often results in more comprehensive settlements that account for the obvious as well as concealed damages.

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not accepted in Louisiana.

Related Story:How Do Public Claims Adjusters Get Paid And Who Pays Them?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

While policyholders have the right to file insurance claims independently, data from industry experts suggest that this strategy may not provide optimal results.

The main challenges with self-filing include:

  • ​​​​Complex documentation requirements and policy interpretation
  • Time-intensive communication with insurance representatives
  • Risk of overlooking covered damages or benefits
  • Potential undervaluation of claims by insurance companies
  • Limited-to-zero negotiation experience with insurers

​​​​Licensed public adjusters provide significant advantages in the claims process: 

  •  
    1. Professional Documentation and Assessment – Public adjusters thoroughly document damages, and prepare complete claims files, and manage all paperwork required, making sure nothing is overlooked.
    2. Time and Stress Management – These professionals handle all communications with insurance companies so that homeowners can focus on recovery while expediting the process of filing claims.
    3. Expert Negotiation – With a vast understanding of regulations and rules governing insurance policies, public adjusters negotiate directly with insurance companies to negotiate fair settlements.
    4. Cost-Effective Service – Public adjusters typically work on a contingency-fee basis, typically ranging from 10-20 percent of the settlement amount, to ensure alignment with the policyholder’s interests.

The National Association of State Insurance Commissioners (NAIC) recognizes public adjusters as licensed professionals who represent policyholders’ interests during the process of settling claims. Their expertise can be particularly beneficial in complex claims or when significant damages are involved.

Statistics from the industry indicate that expert representation by state-licensed public insurance adjusters leads to more favorable outcomes for policy holders, with faster processing time, and more complete settlement packages.

Related Story:Public Insurance Adjuster Fees

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

While contractors often offer negotiations with insurers this method can come with serious risks and restrictions. According to the National Association of Insurance Commissioners (NAIC), contractors do not have the legal authority and knowledge to serve as official representatives for insurance claim negotiations.

This restriction could dramatically affect the result of a lawsuit and could affect the rights of the policyholder.

Departments of insurance in each state oversee licensed public adjusters, who go through extremely specialized training, have to pass Federal background checks, & require specialized licenses from the state to operate. They also are legally authorized to act on behalf of the policyholder in order to protect and protect their right … legal authority that contractors don’t possess … thus they are the legal and comprehensive alternative to contractor representation.

Public Adjusters are experts in interpreting insurance policies, assessing and documenting damage, and negotiating with insurance companies to ensure equitable settlements.

Public adjusters provide several distinct advantages, such as:

  • Specialist claim documentation and filing
  • Professional negotiation with insurance carriers
  • Comprehensive damage assessment
  • Faster claim processing
  • Reduce stress by a complete claim management

The National Association of Public Insurance Adjusters (NAPIA) insists on the fact that public insurance claims adjusters must hold professional licenses and adhere to strict ethical standards. This provides the additional level of consumer protection that is not offered by the representation of contractors.

For claims that are complex, for more complex claims, public adjusters have a wealth of knowledge in policy interpretation, documentation requirements and negotiation strategies frequently can be invaluable, thereby avoiding costly mistakes and claims denials which could result from negotiation led by contractors.

Related Story:When Is It Too Late To Retain A Public Claims Adjuster?

Disclaimer: *Some Services Not Available In All Areas. Contingency fees not allowed in Louisiana.

When insurance settlements prove insufficient to cover property damages, policyholders retain several legal options to seek further compensation following the initial settlement of their claim.

According to the National Association of Insurance Commissioners (NAIC), policyholders should carefully evaluate the terms of their settlement and related documents prior to accepting the final settlement.

The timing and circumstances for the pursuit of additional compensation are important elements, as the majority of insurance policies include specific timeframes for claim disputes and appeals, usually ranging from one to two years after settlement date.

Licensed public adjusters are crucial in re-evaluating settled claims and identifying previously missed damages. Public adjusters conduct thorough assessments of property damages, as well as document any additional damage, and deal with insurance companies on behalf of policyholders.

Important steps to pursue additional compensation are:

  1.  Document newly discovered damages
  2. Review policy terms and settlement agreements
  3. Gather new evidence and estimations
  4. Consider professional representation from a state-licensed public claims adjusters

The National Association of Public Insurance Adjusters (NAPIA) insists that public adjusters are often able to spot overlooked damages and policy provisions that allow for additional compensation. Their experience in the interpretation of policies and claim valuation is particularly useful when defending settled claims.

The policyholder should act promptly after discovering inadequate settlement amounts, as delay may hinder their ability to collect additional compensation. When utilizing a Public Claims Adjusters Network (PCAN) member Public Claims Adjuster, the claim review and negotiation process typically progresses more efficiently than policyholder-directed efforts. 

Disclaimer: *Some Services Not Available In All Areas. The use of contingency fees is not permitted in Louisiana.

No. Insurance companies cannot legally cancel policies solely because policyholders hire public adjusters to represent their interests during the claims process, according to the National Association of Insurance Commissioners (NAIC). Policy cancellations are strictly governed by contractual terms and state regulations, typically limited to specific circumstances such as non-payment of premiums or material misrepresentation.

The National Association of Public Insurance Adjusters (NAPIA) emphasizes that hiring a licensed public adjusters is a protected right of policyholders. These professionals serve as advocates during insurance claims, handling documentation, negotiations, and communications with insurance carriers to expedite settlements.

The Insurance Information Institute (III) confirms that policyholders maintain the right to professional representation during claims processes, and insurers must honor this right while adhering to fair claims handling practices.

Related:Public Insurance Adjusting Resources

Disclaimer: *Some Services Not Available In All Areas. Contingency fees are not permitted in Louisiana.

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

The Homeowners Insurance Claims Recovery Process In O'ahu, Hawaii

Hawaii state-licensed public insurance claims adjusters are fluent in “Insurance Policy Jargon”, and will guide you through the entire property insurance claims process, while they fight to make sure you get the highest & most fair compensation possible for your claim!

Step #1

Make Sure Your Family Is Safe

When disaster strikes, the priority is to make sure your family is safe. Always have an emergency bag!

Step #1

Step #2

Contact A PCAN Public Adjuster In O’ahu, Hawaii

Contact one of the PCAN verified and state-licensed public claims adjusters to schedule an appointment for them to come out & meet with you to inspect the damage.

Step #2

Step #3

Thorough Review Of Your Policy

Your public adjuster will conduct a comprehensive review of your policy, note any coverage restrictions, coinsurance requirements, limitations, and review additional options that may be available to you.

Step #3

Step #4

Create A Claims Strategy That Works For Your Specific Goals & Needs

Your public insurance adjuster will discuss what is most important to you when it comes to your claim, then create & tailor the right claims strategy to take care of your family.

Step #4

Step #5

Public Adjuster Takes Care Of All Insurance Related Paperwork, Negotiations, & Follow Up.

Once you have agreed on a strategy, your public insurance adjuster will:

  • Meet with insurance company adjusters & personnel at the loss/damage location.
  • Agree to the scope of damages & make sure that they are including all the damages in the scope, as well as clearly deciding on what should be repaired vs. replaced.
  • Prepare a detailed reconstruction estimate.
  • Prepare a detailed inventory of personal property.
Step #5

Step #6

Negotiations & Final Settlement

Your public adjuster will work to make sure you receive the highest settlement possible under your specific insurance policy.

Step #6

Step #7

Restoration | Reconstruction | Relocation

Your public claims adjuster will negotiate with the insurance company to ensure that you can achieve your specific goals. Whether that’s full or partial restoration, rebuilding your property, or a full-relocation.

Step #7

(Click To Expand Infographic)

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

Explore How O'ahu Public Claims Adjusters Can Help You Maximize Settlements From These Kinds Of Homeowners Insurance Claims

Public Adjusters O'Ahu, Hawaii

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.

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An insurance terms glossary provides insight to policyholders of critical terms and definitions commonly used to clarify various aspects of coverage and claims.

Key concepts include such terms as Actual Cash Value Vs. Replacement Value, a method for determining compensation based on replacement costs minus depreciation, and Additional Living Expenses, which cover necessary living costs when a home is uninhabitable.

For example, understanding your homeowners insurance declaration page, common homeowners damage deductibles for various types of property damage, the general policy exclusions standard in many home insurance policies, can bring much-needed awareness & clarity to policyholders of potential insurance policy terms that may affect their claim outcomes. For example, knowing which key documents (such as photographs and receipts) are essential for substantiating claims.

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

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Your Insurance Company Has An Adjuster ... Shouldn’t You?

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Oʻahu
Nickname: Gathering Place
260Px Oahu
260Px Map Of Hawaii Highlighting Oahu.svg
Geography
Location21°30′N 158°00′W / 21.5°N 158.0°W / 21.5; -158.0
Area596.7 sq mi (1,545 km)
Area rank3rd largest Hawaiian Island
Highest elevation4,025 ft (1226.8 m)
Highest pointKaʻala
Administration
United States
Symbols
Flowerʻilima
ColorMelemele (yellow)
Largest settlementHonolulu
Demographics
Population1,016,508 (2020)
Pop. density1,704/sq mi (657.9/km)

Oʻahu (pronounced /oˈʔɐhu/, , sometimes written Oahu) is the third-largest and most populated island of the Hawaiian Islands and of the U.S. state of Hawaii. The state capital, Honolulu, is on Oʻahu’s southeast coast. The island of Oʻahu and the uninhabited Northwestern Hawaiian Islands constitute the City and County of Honolulu. In 2021, Oʻahu had a population of 995,638, up from 953,207 in 2010 (approximately 70% of the total 1,455,271 population of the Hawaiian Islands, with approximately 81% of those living in or near the Honolulu urban area).

Oʻahu is 44 miles (71 km) long and 30 miles (48 km) across. Its shoreline is 227 miles (365 km) long. Including small associated islands such as Ford Island plus those in Kāneʻohe Bay and off the eastern (windward) coast, its area is 596.7 square miles (1,545.4 km), making it the 20th-largest island in the United States.

Well-known features of Oʻahu include Waikīkī, Pearl Harbor, Diamond Head, Hanauma Bay, Kāneʻohe Bay, Kailua Bay, and the North Shore.

Source

Your Insurance Company Has An Adjuster ... Shouldn’t You?

Our Expert Public Adjusters Work Exclusively For You To Ensure You Get The Highest Settlement Possible From Your Property Insurance Claim After A Disaster.