The recent severe weather has caused damage to homes, vehicles, and personal property across Hawai‘i. Residents who delay filing insurance claims risk potential delays in receiving coverage or reimbursement. Furthermore, many standard insurance policies do not cover flood damage, which must be addressed through separate flood insurance policies. The Hawai‘i Insurance Division emphasizes the importance of understanding policy coverage to avoid unexpected financial burdens. Those without proper documentation or who fail to act promptly may face challenges in recovering losses.