Underwriting Requirements — Hawaii Hurricane Relief Fund (HHRF)
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Defines eligibility, required companion policies and declinations, coverage limits, and unacceptable risks for underwriting under the HHRF program; applies to associations and insurers interacting with the Hawaii Hurricane Relief Fund program.
No material clinical or coverage changes in this revision.
HHRF Underwriting Eligibility & Limits
HHRF Underwriting Criteria
Associations must meet ALL of the following eligibility, companion policy, declination, limit, and exclusion requirements to qualify for HHRF underwriting.
ALL of the following
ALL of the following
- Association registered with the real estate commission in accordance with chapter 514B, part VI
- Association consists of units as defined in section 514B-3
ALL of the following
- Association is used for residential purposes defined as at least 50% of the association's occupancy>= 50%
ALL of the following
- Non-wind perils policy from another insurer
- Full wind coverage below the attachment point of the HHRF policy with a minimum 2% deductible for the underlying policy>= 2% deductible
- Full wind coverage above the exhaustion point of the HHRF policy covering the full replacement cost of all insured buildings on the policy
ALL of the following
- Written declination of coverage from at least two admitted property insurance companies doing business in Hawaii>= 2 insurers
Declination scope
- Declination for excess hurricane property coverage for limit and attachment amounts like the HHRF policy (may be 'full' or 'partial')
- Declination may be 'full' (declines to quote or provide coverage regardless of limited or sublimited amount for hurricane or all perils including hurricane)
- Declination may be 'partial' (declines to quote or provide coverage sufficient to fully insure the association for hurricane or all perils; a policy with sublimited hurricane coverage insufficient to fully insure the association is a partial declination)
Coverage type of declination
- Declination must be for a policy covering hurricane risk
- Or declination must be for a policy covering all perils including hurricane risk
ALL of the following
- Maximum HHRF policy limit of $90,000,000$90,000,000
- Total hurricane limit (stacking all policies providing hurricane coverage, including the HHRF) must equal the total amount of non-wind perils (stacking all policies providing non-wind coverage)
ALL of the following
- Mobile home parks where residences are mobile homes, motor homes, or trailers are unacceptable risks
Policy Limits & Parity
| No codes listed |
Required Provider / Insurer Actions
Obtain ≥2 written declinations from admitted property insurers
Obtain and retain written declinations of coverage from at least two admitted property insurance companies doing business in Hawaii; declinations must be for excess hurricane property coverage or for all-perils policies that include hurricane risk, and may be either full or partial as defined in the underwriting requirements.
- At least two written declinations required from 'admitted' property insurers doing business in Hawaii.
- Declinations must be for excess hurricane property coverage for limit and attachment amounts like the HHRF policy provides, or for a policy covering all perils including hurricane risk.
- Declinations may be 'full' (decline to quote or provide any such coverage) or 'partial' (decline coverage sufficient to fully insure the association for hurricane or all-perils including hurricane).
Key Definitions
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