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Hawaii and Hurricanes

Roy
/ Categories: Hurricanes, Licensing
Hawaii and Hurricanes

“The last hurricane that hit Hawaii was Hurricane Iniki in 1992, and Kauai took the brunt of the damage,” said Insurance Commissioner Gordon Ito. “Hurricane Iniki caused almost $2 billion in damages, which is about $3 billion in today’s dollars. It can take just one major storm to cause severe property damage, and we urge you to be prepared.”

Hawaii Insurance Division Reminds Public About Hurricane Coverage, Offers Tips

"Basic home insurance does not cover hurricane damage. Homeowners typically must purchase hurricane insurance separately. Also, not all wind damage is covered by hurricane insurance. The Central Pacific Hurricane Center of the National Weather Service must declare a wind-related event to be a hurricane for this coverage to become available. Banks usually require hurricane insurance as a mortgage condition.

Hurricane policies will cover water damage resulting from wind-related impairment of the home's exterior. One example would be if hurricane debris punctures the roof and rain water flows into your living room.  Other types of water damage (i.e., storm surge, cascading water or rising streams) are not covered by hurricane or homeowners insurance. Flood insurance provides coverage for these other exposures."  click here to read the source article

Here is some information related to adjuster licensing in Hawaii.

NONRESIDENT ADJUSTER – INDIVIDUAL (INITIAL LICENSE) INDEPENDENT ADJUSTER – PUBLIC ADJUSTER – WORK COMP ADJUSTER – CROP ADJUSTER

Before submitting your application:

Successfully pass the Hawaii Insurance License Exam. [1] Adjuster exam for independent or public adjuster, workers compensation adjuster exam for work comp adjuster, exam approved by the insurance commissioner for crop adjuster. Contact our exam administrator, Pearson Vue to register for an exam. Call toll free at 1-800-274-2608. View our Candidate Handbook at Pearson Vue’s website at: http://www.pearsonvue.com/hi/insurance .

There is no reciprocity for adjusters. All individuals – residents and nonresidents – are required to successfully pass the Hawaii Insurance License Exam.

After the above has been completed, submit paper application.

Source of the above information on licensing:  The Hawaii Department of Commerce and Consumer Affairs
Insurance

Hurricane Deductibles

Here is some information on when a Hurricane Deductible applies. The information below comes from the Insurance Information Institute. here is a link to the source page on their website;

http://www.iii.org/issue-update/hurricane-and-windstorm-deductibles

HAWAII HURRICANE DEDUCTIBLES

'Hurricane deductibles are percentage or dollar deductibles that are higher than for other perils, or causes of loss. They are calculated as a percentage of the dollar amount of coverage on the dwelling. The trigger for hurricane deductibles, or the point at which they apply, varies by company. Triggers have some common characteristics: they generally go into effect only when the National Weather Service issues a hurricane watch or warning and remain in effect for a specified amount of time after the storm has passed. The intensity of hurricanes may also affect the trigger. Hurricanes are classified on a scale of 1 to 5 with 5 as the highest intensity. If the policy has a mandatory deductible, this means the insurer will not sell homeowners coverage without a hurricane deductible.  When a deductible is optional, policyholders may choose a higher deductible for a premium credit.

The Hawaii State Legislature created the Hawaii Hurricane Relief Fund in 1993 to provide compensation for windstorm damage from hurricane force winds in the wake of Hurricane Iniki which caused about $1.6 billion in insured losses when it occurred. After the homeowners insurance market stabilized, the fund was shut down and stopped writing coverage at the end of 2000. Most homeowners insurers provide property coverage for all perils and liability but exclude hurricane insurance.  Homeowners must purchase hurricane insurance separately from specialized companies.

Hawaii Property Insurance Association (FAIR Plan): The insurer of last resort for homeowners insurance. Does not offer hurricane coverage.

Here is a link to the source of the information provided above.

http://www.iii.org/issue-update/hurricane-and-windstorm-deductibles

Eastern North Pacific Storm Names 

red = active

  1. Amanda
  2. Boris
  3. Cristina
  4. Douglas
  5. Elida
  6. Fausto
  7. Genevieve
  8. Hernan
  9. Iselle
  10. Julio
  11. Karina
  12. Lowell
  13. Marie
  14. Norbert
  15. Odile
  16. Polo
  17. Rachel
  18. Simon
  19. Trudy
  20. Vance
  21. Winnie
  22. Xavier
  23. Yolanda
  24. Zeke 
 

Tags

Hawaii

Comment

Roy · 7/27/2014 6:59:21 PM

Did you wok Hurricane Iniki in 1992? If so maybe you could provide some insight into handling claims in Hawaii. I was on an environmental assignment and missed the Iniki event.

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From the KB

Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

....

In adjusting hurricane damage claims for homes within the 1968-1997 applicable residential code period, it is important that the inside of the walls be checked more carefully than
newer construction to ensure that moisture hasn’t seeped into the walls that will eventually result in mold and interior wall rot. If adjusters do not look for moisture build-up trapped inside the wall, then this damage could be missed, causing mold and rot to proliferate and resulting in bigger problems for homeowners in the future.

...

Hurricane and Windstorm Deductibles

The source of the information below is the Insurance Information Institute, iii.org

Nineteen states and the District of Columbia have hurricane deductibles: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia and Washington DC. Listed below are reports for these states detailing hurricane deductibles.

 

Historical Hurricane Tracks

Subject: Historical Hurricane Tracks
Description: The Historical Hurricane Tracks tool is an interactive mapping application that allows you to easily search and display Atlantic Basin and Eastern North Pacific Basin tropical cyclone data. 

Source: NOAA Climate.gov 
 

Some Notable Cane Activity since we have been online

2012

Hurricane Sandy (unofficially known as "Superstorm Sandy") was the deadliest and most destructive hurricane of the 2012 Atlantic hurricane season, as well as the second-costliest hurricane in United States history. Classified as the eighteenth named storm, tenth hurricane and second major hurricane of the year, Sandy was a Category 3 storm at its peak intensity when it made landfall in Cuba.[1] While it was a Category 2 storm off the coast of the Northeastern United States, the storm became the largest Atlantic hurricane on record (as measured by diameter, with winds spanning 1,100 miles (1,800 km)).[2][3] Estimates as of March 2014 assess damage to have been over $68 billion (2013 USD), a total surpassed only by Hurricane Katrina.[4] At least 286 people were killed along the path of the storm in seven countries. From Wikipedia, the free encyclopedia
Photos - Discussions: Sandy Disscussion -

2011

Hurricane Irene, the storm slowly leveled-off in intensity as it struck the Bahamas and then curved northward after passing east of Grand Bahama. Continuing to weaken, Irene was downgraded to a Category 1 hurricane before making landfall on the Outer Banks of North Carolina on August 27, becoming the first hurricane to make landfall in the United States since Hurricane Ike in 2008. Early on the following day, the storm re-emerged into the Atlantic from southeastern Virginia. Although Irene remained a hurricane over land, it weakened to a tropical storm while making yet another landfall in the Little Egg Inlet in southeastern New Jersey on August 28. A few hours later, Irene made its ninth and final landfall in Brooklyn, New York City. Early on August 29, Irene transitioned into an extratropical cyclone hitting Vermont/New Hampshire after remaining inland as a tropical cyclone for less than 12 hours. From Wikipedia, the free encyclopedia
Photos - Discussions:

2008

Ike developed a large wind field as it moved northwestward across the Gulf of Mexico over the next 3 days, with tropical-storm-force winds extending up to 275 miles from the center and hurricane-force winds extending up to 115 miles from the center. The hurricane gradually intensified as it moved across the Gulf toward the Texas coast. Ike made landfall over the north end of Galveston Island in the early morning hours of September 13 as a Category 2 hurricane with maximum sustained winds of 110 mph. The hurricane weakened as it moved inland across eastern Texas and Arkansas and became extratropical over the middle Mississippi Valley on September 14. It then moved rapidly through the Ohio valley and into Canada, producing wind gusts to hurricane force along the way. Source: NOAA

2005

Hurricane Katrina Was the deadliest and most destructive Atlantic tropical cyclone of the 2005 Atlantic hurricane season. It is the costliest natural disaster, as well as one of the five deadliest hurricanes, in the history of the United States. Katrina is the seventh most intense Atlantic hurricane ever recorded, part of the 2005 season that included three of the six most intense Atlantic hurricanes ever documented (along with #1 Wilma and #4 Rita). At least 1,833 people died in the hurricane and subsequent floods, making it the deadliest U.S. hurricane since the 1928 Okeechobee hurricane; total property damage was estimated at $108 billion (2005 USD),[1] roughly four times the damage brought by Hurricane Andrew in 1992. From Wikipedia, the free encyclopedia
Photos Discussions: 

2004

The 2004 Atlantic hurricane season was the costliest Atlantic hurricane season, until the following year. More than half of the 16 tropical cyclones brushed or struck the United States. The season officially began on June 1, and ended on November 30. Due to a Modoki El Niño – a rare type of El Niño in which unfavorable conditions are produced over the eastern Pacific instead of the Atlantic basin due to warmer sea surface temperatures farther west along the equatorial Pacific – activity was above average. The first storm, Alex, developed offshore of the Southeastern United States on July 31. It brushed the Carolinas and the Mid-Atlantic, causing one death and $7.5 million (2004 USD) in damage.[nb 1] Several storms resulted in minor impact, including tropical storms Bonnie, Earl, Hermine, and Matthew. In addition, hurricanes Danielle, Karl, and Lisa, Tropical Depression Ten, Subtropical Storm Nicole and Tropical Storm Otto caused no impact on land while tropical cyclones. From Wikipedia, the free encyclopedia

2003

Hurricane Isabel was the costliest, deadliest, and strongest hurricane in the 2003 Atlantic hurricane season. The ninth named storm, fifth hurricane, and second major hurricane of the season, Isabel formed near the Cape Verde Islands from a tropical wave on September 6 in the tropical Atlantic Ocean. It moved northwestward, and within an environment of light wind shear and warm waters it steadily strengthened to reach peak winds of 165 mph (265 km/h) on September 11. After fluctuating in intensity for four days, Isabel gradually weakened and made landfall on the Outer Banks of North Carolina with winds of 105 mph (165 km/h) on September 18. It quickly weakened over land and became extratropical over western Pennsylvania the next day. Source: Wikipedia Photo Credit: Jacques Descloitres, MODIS Rapid Response Team, NASA/GSFC
Discussions: 458,000 ISO- Hurricane Isabel Claims, "Isabel", is a Hot Potato headed behind? and more..

2022 Atlantic Hurricane Storm Names

  • Alex
  • Bonnie
  • Colin
  • Danielle
  • Earl
  • Fiona
  • Gaston
  • Hermine
  • Ian
    • Ian makes landfall as a Cat 4 Hurricane at 03:10 PM EST on 9/28/2022 in Southwestern Florida
  • Julia
  • Karl
  • Lisa
  • Martin
  • Nicole
  • Owen
  • Paula
  • Richard
  • Shary
  • Tobias
  • Virginie
  • Walter

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Cane Categories

  • Cat 1 Hurricane
    - Sustained Winds 74-95 mph
  • Cat 2 Hurricane
    - Sustained Winds 96-110 mph
  • Cat 3 Hurricane
    - Sustained Winds 111-130 mph
  • Cat 4 Hurricane
    - Sustained Winds 131-155 mph
  • Cat 5 Hurricane
    - Sustained Winds greater than 155 mph

About

The Storm Page, this is the CADO version of a weather page. On this page we provide information on current weather events, links to weather sites and weather related discussions. All adjusters are invited to share weather information by posting it in the forum or adding your favorite weather links to the Resource Directory. Also, if you have photos of weather related damage please share them by adding them to the Photo Gallery.

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