CurrentInsurance Division, Department of Commerce and Consumer AffairsPolicy N/A
Hawaii Hurricane Relief Fund Condominium Association Policy
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This policy governs hurricane (and related windstorm) insurance coverages, exclusions, and extensions for condominium associations (the Named Insured) in relation to companion Master Property policies and the Hawaii Hurricane Relief Fund's responsibilities.
Policy Summary
PayerInsurance Division, Department of Commerce and Consumer Affairs
PolicyHawaii Hurricane Relief Fund Condominium Association Policy
Policy CodePolicy N/A
Change TypeNo material changes
Effective Date
Next Review Date
Key ActionProvide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.
SourceLink
POLICY UPDATE CHANGES
No material clinical or coverage changes in this revision.
72 hourspost-warning coverage window
30 daysProperty removed coverage period
180 daysDebris removal reporting
$10,000,000Minimum Hurricane Master attachment
limitedProperty exclusions
Coverage, Exclusions, and Windstorm Conditions
inv-01: Covered Property and Coverages
Covered Property means the types of property for which a Limit of Insurance is shown in the Declarations. Coverage applies only to items listed below and remains subject to exclusions and any specific Declaration provisions.
Coverage A (Building): buildings or structures that are legally part of any building or structure described in the Declarations, excluding land and machinery not used solely in service of the building; includes specified service-related personal property (fire extinguishing equipment; outdoor furniture; maintenance equipment and supplies; floor coverings; window shades; furnishings of corridors and stairs; and appliances used for refrigerating, ventilating, cooking, dishwashing or laundry).
Per Coverage A; see exclusions for items not covered as Property Not Covered.
Materials and supplies located on or next to the described location within 100 feet used to construct, alter, or repair the building or other structures on the described location are Covered Property when a Limit is shown in the Declarations.within 100 feet
Coverage C (Business Personal Property): business personal property located in or on any building described in the Declarations, in the open on the described location, or in a vehicle or railroad car within 100 feet of the described building; includes personal property owned by the association or owned indivisibly by all unit-owners; the association's interest in labor, materials, or services furnished on personal property of others; and leased personal property the association must insure. Property owned only by an individual unit-owner is not covered under this coverage unless otherwise specified in the Declarations.within 100 feet
Personal Property of Others: property in the association's care, custody or control located in or on any building described in the Declarations or in the open (or in a vehicle) within 100 feet of the described premises; payment is made to the owner of the property.within 100 feet
Extensions (examples): Debris Removal for debris of Covered Property caused by Windstorm (subject to reporting requirements); Property Removed coverage for Covered Property removed from premises endangered by Windstorm (limited duration and location); Reasonable Repairs to protect Covered Property after Windstorm. These extensions do not increase the applicable Limit of Insurance.
inv-02: Property Not Covered / Exclusions
The following property types and situations are expressly not covered under this policy unless specifically listed and insured in the Declarations.
Animals; accounts, bank notes, bills, bullion, coins, currency, deeds, evidences of debt, passports, personal records, securities; credit/debit cards and similar access devices; manuscripts and money-related instruments are excluded.
Virtual currency and digital assets of any kind (including digital currency, crypto currency, non-fungible tokens) and Electronic Data are excluded, except as limited coverage may be provided under specific Extensions when a higher limit is shown in the Declarations.
Aircraft (including model aircraft, hobby aircraft, and drones) and their parts and accessories are not covered.
Motor vehicles and motorized land conveyances, trailers on wheels, their equipment and accessories, and electronic apparatus designed to be operated by a vehicle's electrical system are excluded while in or upon the vehicle or conveyance. Limited coverage exists for certain non‑registered vehicles located on the described premises as specified in the policy.
Watercraft and hovercraft and their parts and furnishings are excluded except for rowboats and canoes out of water at the described premises or as otherwise located within 100 feet of a described building.
The cost to replace or restore information on valuable papers and records (including Electronic Data) is excluded; a limited Valuable Papers and Records extension (other than Electronic Data) is referenced separately.
Business Personal Property while airborne, waterborne, or in transit is excluded.
Numerous outdoor and accessory structures are excluded unless specifically listed in the Declarations (examples: pilings, piers, wharves, seawalls, docks, boathouses; pipes/flues/drains underground; foundations below lowest basement; fences, decks, patios, bridges, boardwalks; greenhouses, open-sided sheds, carports, cabanas, pools, jacuzzis; signs, antennas, utility poles), with limited exceptions (e.g., pilings partly above low water mark; permanently installed solar paneling may be covered under conditions).
Structures or items comprised of fabric, thatch, lattice, slats or similar materials (including certain enclosed accessory structures) and Business Personal Property contained within such structures are excluded unless they are separately described and a Limit of Insurance is shown in the Declarations; mobile and manufactured homes and buildings are excluded except when specifically listed with a Limit in the Declarations.
inv-03: Windstorm coverage criteria and conditions
Windstorm (wind or hail during a Hurricane as defined) coverage is subject to the following rules, extensions, limits, timing, and conditions.
Debris Removal: we will pay expenses to remove debris of Covered Property caused by or resulting from Windstorm that occurs during the policy period, only if reported in writing within 180 days of the date of direct physical loss or damage; payment is limited by the amount of insurance and does not increase the applicable Limit of Insurance; debris removal does not apply to debris of property not insured, Property Not Covered, property of others not covered, or deposits of mud/earth on the grounds.
Property Removed: direct physical loss to Covered Property removed from the described premises endangered by Windstorm is covered only if the property is contained within a fully enclosed building in the State of Hawaii and for no more than 30 days while removed; this coverage does not increase the Limit of Insurance.
Reasonable Repairs: reasonable costs incurred for necessary repairs made solely to protect Covered Property from future damage are payable and do not increase the Limit of Insurance.
Electronic Data: we will pay to replace or restore Electronic Data destroyed or corrupted by a Covered Cause of Loss; unreplaced data is valued at the cost of the media; the most we will pay is $2,500 per policy period unless a higher limit is shown in the Declarations.
Ordinance or Law Additional Coverage: up to 10% of the Coverage A Limit may be used (in addition to the Coverage A Limit) for increased costs incurred due to enforcement of ordinances or laws requiring construction, demolition, remodeling, renovation, or repair as specified; this additional 10% is payable only as incurred and only for repair/replacement with like kind and quality at the described location; costs excluded include loss in value and pollutant-related costs.
Exclusions specific to Windstorm-related and general property coverage: ordinance or law (except for the limited additional coverage), nuclear hazard, war, mold/fungus/bacteria/virus, earth movement (earthquake, landslide, subsidence, soil conditions), governmental action, artificially generated electrical current, water perils (flood, storm surge, tsunami, spray, etc.), wear and tear, intentional loss, and neglect are excluded from coverage.
Limit of Insurance and Deductible interaction: the most we will pay for loss in any one occurrence is the Limit of Insurance shown in the Declarations; no payment is made until loss exceeds the Deductible and the Hurricane Master Property Policy limit amount shown in the Declarations for that item, after which we pay the amount in excess up to the applicable Limit of Insurance.
Policy Period and Waiting Period: coverage applies only to losses occurring during the policy period and is subject to the Waiting Period; during the Waiting Period no new Windstorm coverage or increase in Windstorm limits under this policy shall be in effect; see Definitions for the Waiting Period timing tied to Hurricane watch/warning and 72-hour post-warning window.
Duties After Loss, Loss Payment and Appraisal: insured must provide timely notice, protect property, provide inventories and sworn proof of loss when requested; insurer may choose to pay, repair/replace, take property, or rebuild and will determine value under Replacement Cost terms; insurer will give notice of intent within 30 days of receiving sworn proof of loss and will pay within 30 days if terms met; appraisal process and other settlement procedures are prescribed.
Other Insurance and Excess Placement: this policy is excess for Windstorm — losses are first paid under the Hurricane Master Property Policy (minimum attachment $10,000,000 in excess of the per location deductible), then under this policy, then under any Hurricane Excess Policy that expressly states it is excess; in aggregate Windstorm coverage must equal or exceed All Other Perils Master Policy coverage with no gaps; if other insurance does not expressly state it is excess, payment is proportionate to limits.
Policy Attachment Minimums and Numeric Limits
Minimum Hurricane Master Policy attachment
Minimum Hurricane Master Policy attachment$10,000,000 excess of per-location Deductible (minimum attachment for Hurricane Master Property Policy)
Attachment may be higherThe Hurricane Master Property Policy attachment may be higher than $10,000,000 if shown in the Declarations
Order of payment for Windstorm lossesLosses caused by Windstorm are paid first under the Hurricane Master Property Policy up to its attachment, then under this policy
Agreement and Provider Restrictions
Note
Agreement — insurer obligation to provide coverage
We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.
Denial Risk
Assignment of Benefits restriction for repair vendors
Any person or entity that performs repairs or remediation to property insured under this policy is not entitled to perform the repairs or remediation, or to receive compensation for services, using an assignment of benefits or any instrument that transfers any rights after loss under this policy without our prior written consent.
- Repair/remediation vendors must obtain the insurer's prior written consent before accepting an assignment of benefits or any post‑loss transfer of rights.
- Failure to secure prior written consent may result in denial of payment to the vendor and refusal to recognize an assignment of benefits.
Key Terms and Definitions
Hurricane
DefinitionA storm or storm system declared and defined by the Central Pacific Hurricane Center of the National Weather Service as a Hurricane
Coverage period (island-specific)Begins when a Hurricane watch or warning is issued for the island where the Covered Property is located and ends 72 hours following cancellation of that watch or warning for that island
Policy relevanceHurricane declaration triggers Waiting Period and affects applicability of Windstorm coverage and related conditions
Waiting Period
Start of Waiting PeriodBegins at the time a Hurricane watch or warning is issued by the Central Pacific Hurricane Center for any island in the State of Hawaii
End of Waiting PeriodEnds 72 hours following cancellation of the Hurricane watch or warning for all islands in the State of Hawaii
Per-island vs statewide timingHurricane term (per island) ends 72 hours after cancellation for that island; Waiting Period definition applies statewide until 72 hours after cancellation for all islands
Windstorm
DefinitionWindstorm means wind or hail during a Hurricane that results in direct physical loss or damage to Covered Property
Interior damage conditionEnsuing interior damage from rain, snow, sleet, sand, or dust is covered only if the Windstorm first damages the building, creating an opening by which those elements enter and cause damage
Relation to Covered Causes of LossWindstorm is the insured peril for direct physical loss under the Covered Causes of Loss when Windstorm coverage is selected and shown in the Declarations
All Other Perils Master Property Policy
DefinitionAll Other Perils Master Property Policy: companion policy a condominium association must purchase covering all perils other than Hurricane for full replacement cost of insured buildings
Combination optionMay be purchased in combination with the Hurricane Master Property Policy
PurposeProvides primary coverage for non-Windstorm perils while this policy is focused on Windstorm-related coverage
Hurricane Master Property Policy
DefinitionHurricane Master Property Policy: companion policy a condominium association must purchase; coverage for Windstorm is defined in this policy's Other Insurance condition
Interaction with this policyHurricane Master Property Policy covers Windstorm losses below this policy's attachment and must meet the minimum attachment requirement shown in the Declarations
Combination optionMay be purchased in combination with the All Other Perils Master Property Policy
Covered Cause of Loss
LabelCovered Cause of Loss
Basic definitionInsures against risks of direct physical loss or damage to property described in Coverages A and C caused by Windstorm when Windstorm coverage is selected and shown in the Declarations
Exclusions caveatLosses excluded under the Exclusions section are not covered even if caused by a Covered Cause of Loss
Ordinance or Law (exclusion/limited coverage)
DefinitionOrdinance or Law: any ordinance or law requiring or regulating construction, demolition, remodeling, renovation, repair of property, including removal of resulting debris
Exclusion with exceptionLosses due to Ordinance or Law are excluded except for amounts covered under the Ordinance or Law Additional Coverage (up to 10% of Coverage A when shown)
Scope of additional coverageOrdinance or Law Additional Coverage applies only to increased costs incurred to repair or reconstruct with like kind and quality at the described location and excludes loss in value and pollutant-related costs
Party wall
DefinitionParty wall: a wall that separates and is common to adjoining buildings owned by different parties
Allocation of lossWe will pay a proportion of the loss to the party wall based on your interest in the wall relative to the adjoining owner's interest
Full payment optionIf you elect to repair or replace your building and the adjoining owner does not, we will pay you the full value of the loss to the party wall subject to policy provisions and Limits of Insurance; this does not alter subrogation rights
Policy Summary
PayerInsurance Division, Department of Commerce and Consumer Affairs
PolicyHawaii Hurricane Relief Fund Condominium Association Policy
Policy CodePolicy N/A
Change TypeNo material changes
Effective Date
Next Review Date
Key ActionProvide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy.
SourceLink
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