The top-rated flood insurance agent in Waipahu, Hawaii is Larry Welsch - State Farm Insurance Agent, rated 5.0 stars across 208 reviews. Other highly rated options include Guy Matsumoto - State Farm Insurance Agent, Valerie Bruner at Comparion Insurance Agency, Kendrick Nishiguchi at Comparion Insurance Agency. This directory lists 18 flood insurance agents serving Waipahu.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Larry Welsch - State Farm Insurance Agent | 94-429 Ukeʻe St #101 | (808) 944-3450 |
| 2 | Guy Matsumoto - State Farm Insurance Agent | 94-849 Lumiaina St Ste 104 | (808) 671-7888 |
| 3 | Valerie Bruner at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6105 |
| 4 | Kendrick Nishiguchi at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6071 |
| 5 | Susan Santos - State Farm Insurance Agent | 94-229 Waipahu Depot St #201 | (808) 677-0098 |
| 6 | Dawn Mira-Whitson: Allstate Insurance | 94-210 Pupukahi St Ste 208 | (808) 677-1428 |
| 7 | Ricky Bonilla: Allstate Insurance | 94-050 Farrington Hwy Ste B1-8 | (808) 676-0501 |
| 8 | Deborah Sumulong at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6074 |
| 9 | Leilani Yee at Comparion Insurance Agency | 94-849 Lumiaina St #206 | (808) 650-6073 |
| 10 | Roy D Burnett Jr - State Farm Insurance Agent | 94-487 Akoki St Ste 103 | (808) 688-1551 |
Larry Welsch - State Farm Insurance Agent serves Waipahu and the greater Honolulu County area, specializing in flood insurance policies. This agency helps property owners in Hawaii understand their unique flood zone risks and secure appropriate coverage through the National Flood Insurance Program. Given Waipahu's location in a flood-prone region, the agent works closely with clients to review elevation certificates and policy limits. The company also assists with filing flood damage claims and adjusting coverage after home renovations.
Guy Matsumoto - State Farm Insurance Agent in Waipahu, HI provides flood insurance services, offering policies to protect properties from water damage and flooding events. The agency assists clients in understanding coverage options and evaluating risk assessments specific to local flood zones. Support includes help with policy selection, claims filing, and annual policy reviews to maintain adequate protection. The company serves single-family homes, apartments, retail establishments, and restaurants in the community.
Homeowners, businesses, and property managers in Waipahu, HI, can turn to Valerie Bruner at Comparion Insurance Agency for flood insurance coverage. As a dedicated agent, Valerie helps clients understand their flood risk and secure policies that meet lender requirements and provide financial protection against water damage. She addresses the specific concerns of properties located in flood-prone areas of the island. Her service area also extends to the neighboring community of Aiea and other parts of central Oahu.
Kendrick Nishiguchi at Comparion Insurance Agency in Waipahu, HI, distinguishes between single-policy flood insurance and ongoing coverage for evolving property risks. As a flood insurance agent, service typically focuses on protecting homes and businesses against storm surges and heavy rainfall. The agency helps clients select coverage that aligns with local flood zone requirements. Service runs on a one-time basis for initial policy setup, with scheduled annual reviews to adjust limits when flood maps change.
Susan Santos - State Farm Insurance Agent in Waipahu, HI specializes in providing flood insurance coverage for residential and commercial properties. It also offers a range of general insurance services to address individual and business needs. As a local flood insurance agent, the firm assists clients in understanding federal flood program requirements and evaluating their specific property risks. During Hawaii’s rainy season and hurricane threat periods, the agency helps homeowners and business owners secure protection against potential flood damage from heavy storms and rising waters.
Dawn Mira-Whitson: Allstate Insurance assists clients with standard property protection and specializes in supplementary flood insurance policies. This office serves Waipahu and the surrounding Oahu flood zones. The agency helps property owners navigate flood hazards shaped by the region’s geography and weather, offering policies that address specific risk requirements. Commercial sectors it can serve include offices, warehouses, and food service operations, ensuring these businesses have appropriate coverage for flood-related damage.
Heavy rains and tropical storms frequently threaten Waipahu with potential flooding, making insurance a vital local concern. Ricky Bonilla: Allstate Insurance responds by evaluating regional flood risks and explaining coverage options that protect homes and belongings from water damage. The agent works closely with homeowners to identify the appropriate policy limits based on each property’s specific exposure. Potential clients can schedule a visit to have their home’s foundation and drainage inspected by the agent before any final coverage is chosen.
Deborah Sumulong at Comparion Insurance Agency provides residential flood insurance to homeowners in Waipahu, Hawaii. Commercial flood coverage is also available for local businesses throughout the area. The agency serves clients by explaining policy options and helping them secure appropriate protection for their properties. Clients can expect clear guidance on coverage needs for both structures and contents. Follow-up service after a claim or between regular renewal visits is offered to ensure policies remain suitable as conditions change.
Leilani Yee at Comparion Insurance Agency serves Waipahu, HI, as a dedicated flood insurance agent. This agency assists property owners in understanding and obtaining necessary coverage to protect against flood damage in a flood-prone region. They guide clients through the process of evaluating their risk and selecting appropriate policies for both residential and commercial properties. The agency can also help with securing excess flood coverage for those needing higher limits beyond standard federal programs.
What Does a a Flood Insurance Agent in Waipahu Cost?
Flood insurance costs in Waipahu vary based on flood zone elevation and building characteristics. Average annual premiums for NFIP policies in Hawaii range from 700 to 2000 dollars for standard coverage. Higher-risk properties in Zone AE may see premiums above 3000 dollars. Private market policies can be competitive. This is general information and not insurance advice.
About flood insurance agents in Waipahu
Flood insurance agents in Waipahu help property owners secure coverage required by lenders and Hawaii law. Waipahu is in a high-risk flood zone due to its proximity to streams and low-lying areas. Agents can explain the National Flood Insurance Program and private options available in Hawaii.
Frequently Asked Questions
Is flood insurance required in Waipahu Hawaii?
Yes if your property is in a Special Flood Hazard Area designated by FEMA. Lenders will require flood insurance for mortgages on these properties. Hawaii law does not mandate flood insurance outside of lender requirements but it is strongly recommended for Waipahu.
What does a flood insurance agent in Waipahu do?
An agent helps you assess your flood risk determine coverage limits and obtain a policy. They can explain the 30-day waiting period for NFIP policies and help with elevation certificates. Agents also assist with claims guidance after a flood event.
How long does it take to get flood insurance in Waipahu?
NFIP policies have a 30-day waiting period before coverage begins. Some private insurers may offer shorter waiting periods. It is important to plan ahead and not wait until a storm is approaching.