Hawaii’s Insurance Division recommends property owners review their coverage before June 1 hurricane season begins, 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 Pacific storm activity.
- Standard homeowners and rental property insurance policies do not cover hurricane or flood damage.
- Hurricane coverage 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 stop issuing new or expanded policies once a storm threatens the area.
Source: Governor of Hawaii
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