Home insurance in Hawaii starts with your policy and the path the loss took. Wind in the trades and water from humid rain are different paperwork. Long-term salt damage may not be a sudden loss, and you should not describe it as one. Find the deductible. Write the plain version: a lifted panel, rain at a seam, or a seized window that let water into a single-wall room.
Do not file a freeze story. This climate will not back it up, and it muddies a real wind or water claim. There is no basement in the usual sense. Water shows on a slab, in a wall with no cavity, or under a low-slope roof. If the lot takes windward runoff, ask whether flood or surface water sits outside the policy you hold. Keep that question off the wind report.
A dwelling limit taken from a sale will not rebuild a single-wall house the way it rebuilds a newer framed one, and an ohana is often its own structure. Termite damage found after an opening, and rusted connections, are part of the building you have. Belongings and loss of use matter if the house cannot be slept in. Say whether the loss is the main house, the addition, or both.
If you are renewing, walk the metal or the low-slope roof, the rusted hardware, and the grade before you accept an old picture of the house. Termites do not arrive as a weather event, and they still change what a wind opening requires, because the wood may already be soft. Read what your page says about wear. Keep that separate from a sudden lift you can point at.
Say claim or renewal, windward or leeward, and the deductible you have now. Say wind or water and do not stack them. Mention single-wall or framed, and name the ohana if it was hit. A photo of the path the water took will beat a speech. Bring the page with you. Call the number on this page.