As hurricanes Iselle and Julio approach our island chain, State Insurance Commissioner Gordon Ito, recommends that home owners review their insurance policies.
Hurricane insurance in Hawai'i typically covers wind related damage when there are gusts of 75+ miles per hour. Iniki, the last major hurricane to hit Kaua'i, had gusts up to 160 miles per hour. Water related damage is only covered if your roof is blown off and the interior is rained on. Hurricane insurance does not cover water damage caused by flooding (flood insurance is considered separate).
State of Hawai'i Hurricane Insurance Prepared Checklist:
- · Read your insurance policy
- · Check your insurance coverage
- · Consider whether you need more
- · Deal with licensed agents with companies licensed to do business in Hawaii.
- · Take inventory of your belongings
- · Make sure you have provisions
- · Take precautions to secure your home
- · Track storms through the media
The Reside Kauai team hopes everybody stays safe and secure during the storms.
Hurricane seasons lasts from June 1 - November.