Hawaii: What Happens After the 90-Day Waiting Period for an Unclaimed Property Claim

Detailed Answer

This article explains what typically happens under Hawaii law once the state’s initial 90-day review period for an unclaimed property claim ends. It covers the likely outcomes, what the state does next, and what claimants can do if the claim is approved, denied, or disputed. This is general information only and not legal advice.

What the 90-day period is

Under Hawaii’s unclaimed property system, the Department of Budget and Finance (DBF) reviews submitted claims and supporting documents. The informal “90-day” timeframe is commonly used by the program as a period for review, verification, and for third parties to raise questions or supply missing information. For official background on Hawaii’s unclaimed property law, see the Hawaii Revised Statutes chapter on disposition of unclaimed property: HRS Chapter 523A. For program procedures and how to file, see the State’s Unclaimed Property program: Hawaii DBF – Unclaimed Property.

Common outcomes after the 90-day review

• Claim approved and payment issued: If DBF verifies ownership and all required documents, the claim will be approved. After approval the department will issue payment or transfer the property to the claimant (for example, by mailing a check or arranging an electronic transfer). The exact method and timing depend on the property type and the department’s processes.
• Request for more information: If the file lacks required documentation, the department may request additional proof (IDs, account statements, corporate records, heirship documents, etc.). The claim remains pending until you provide what the department needs.
• Claim denied: If the department determines the claimant is not the rightful owner, or if documentation is insufficient, DBF will deny the claim and send a written notice explaining the reasons. The notice will typically describe whether you can supply additional evidence or the steps to challenge the denial.
• Conflict with other claimants: If multiple parties claim the same property, DBF will investigate competing claims. The program may request further documentation from all claimants and decide which claim is valid. In some cases the department may hold the funds while it resolves the dispute.
• Reporting party or third-party issues: If the property has issues that involve the reporting entity (for example, disputed amounts or liens), DBF may need extra time to coordinate with the reporting business. That can extend the timeline beyond the initial review period.

Next steps if your claim is approved

1. Confirm the payment method and expected timing in DBF’s approval notice.
2. Keep copies of the approval and payment confirmation for your records.
3. If payment does not arrive in a reasonable period, contact the Unclaimed Property program directly (contact details on the DBF unclaimed property page linked above).

Next steps if your claim is denied or disputed

1. Carefully read the denial letter. Note the reasons and any deadlines for submitting additional evidence or requesting review.
2. Submit any additional documentation promptly. Common useful evidence: government ID, prior account statements, deeds, insurance policies, corporate resolutions, or probate documents.
3. If the department provides an administrative appeal route, follow the stated procedure. If no internal appeal exists or you remain dissatisfied, you may seek judicial review—often under Hawaii administrative law—so consider consulting an attorney to discuss court-based remedies and timelines.

Where to find the rules and statutory text

Hawaii’s unclaimed property statute is published in the Hawaii Revised Statutes. See the chapter for the statutory framework: HRS Chapter 523A. For program guidance, claim forms, and contact information, use the Department of Budget and Finance unclaimed property page: budget.hawaii.gov/unclaimed-property.

Helpful Hints

• Gather strong proof of ownership before filing: government ID, account numbers, tax records, statements, deeds, or probate papers.
• Follow submission instructions exactly — missing signatures or notarizations commonly delay claims.
• Upload or mail clear, legible copies of documents. Keep originals secure but available if requested.
• Track your claim online (if the program offers online tracking) and note all contact dates and persons you speak with.
• Respond quickly to DBF requests for more information to avoid extra delays beyond the initial review window.
• If multiple people claim the same property (estate conflicts, business disputes), expect a longer process — gather direct evidence tying the property to you.
• If you receive a denial and think it’s incorrect, ask the department in writing for the reason and for instructions on how to appeal or provide supplemental evidence.
• Keep copies of everything. If you later consult an attorney, those records speed the process and reduce legal costs.

Disclaimer: This information explains general procedures under Hawaii law and the State’s unclaimed property program. It is educational only and not legal advice. For advice about a specific claim, contact the Hawaii Department of Budget and Finance Unclaimed Property program or consult a licensed attorney.