Borough
Kodiak Island Borough
Region
Kodiak & Gulf Coast
Neighborhoods & areas
Downtown Kodiak, Aleutian Homes, Mill Bay, Monashka Bay, Bells Flats, Women's Bay, Chiniak
Housing mix
Post-1964 rebuilt neighborhoods, older frame homes, rentals serving the fishing industry and Coast Guard families
Notable events
- 1964 earthquake and tsunami
- January 2018 offshore earthquake and tsunami warning
- Gulf of Alaska storms
Local claim risks
- Coastal windstorms
- Heavy rain
- Earthquake (with endorsement)
- Snow load
- Water intrusion
Rebuilt after the tsunami
The 1964 Great Alaska Earthquake sent tsunami waves through Kodiak's downtown and harbor, destroying much of the waterfront. Neighborhoods such as Aleutian Homes were rebuilt in the years that followed. Today Kodiak is home to one of the largest fishing ports in the country and a major Coast Guard base.
Weather and seismic risk
Kodiak gets frequent storms from the Gulf of Alaska, bringing high winds and heavy rain. In January 2018, a magnitude 7.9 earthquake offshore triggered a tsunami warning and evacuations, a reminder that seismic risk is constant here.
Housing and claim issues
- Post-1964 homes in Aleutian Homes and around downtown
- Rentals serving fishing crews and Coast Guard families
- Homes in Bells Flats and Chiniak with longer travel and access costs
- Barge-dependent supply that raises material costs
Common disputes
Wind and rain damage to roofs and siding, water intrusion, and estimates that do not reflect the cost of shipping materials to the island. Earthquake claims depend on whether the owner carries that coverage.
We work throughout the Kodiak road system, including downtown, Mill Bay, Monashka Bay, Women's Bay and Chiniak.
Services available in Kodiak
Every Alaska Insurance Appraiser service is available to property owners in Kodiak and nearby, including:
- Appraisal Panel Representation
- Homeowner Claim Appraisal
- Commercial, HOA & Condo Appraisal
- Roof, Hail & Ice Damage Appraisal
- Windstorm Damage Appraisal
- Snow Load & Ice Dam Claims
- Frozen Pipe & Water Damage Appraisal
- Fire, Smoke & Wildfire Appraisal
Questions from Kodiak property owners
Is tsunami damage covered?
Tsunami and flood damage are usually excluded from standard homeowner policies. Flood insurance or earthquake endorsements may apply depending on their terms.
Why do repairs on Kodiak cost more?
Materials and specialty labor often come from off-island. A good estimate includes freight and travel.