Hawaii’s Insurance Division recommends property owners review and update their insurance policies before hurricane season begins June 1, as El Niño conditions may increase storm activity. Standard homeowners policies typically don’t cover hurricane or flood damage.
- Hurricane season begins June 1 with El Niño conditions potentially increasing Central Pacific storm activity.
- Standard homeowners and renters insurance policies do not cover hurricane and flood damage.
- Hurricane insurance must be purchased separately or added as an endorsement to existing policies.
- Flood insurance requires a separate policy with typically a 30-day waiting period before coverage begins.
- Insurers may pause issuing new or expanded policies once storms are approaching.
Source: Maui Now
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