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HPIA Lifts Moratorium on Homeowner’s Insurance in Lower Puna

  |  Big Island Communities: News, Legislative Updates: State of Hawaii

As required by Act 32, which was signed into law in early May, the Hawaii Property Insurance Association (HPIA) is once again accepting applications and coverage increase requests for homeowner’s insurance policies for Puna residents.

In a press release dated June 9, Hawaii Insurance Commissioner Gordon Ito encourages homeowners to assess their potential need for insurance or additional coverage and take action before another lava flow or other natural disaster takes place.

For more information about homeowner policies, the Insurance Division of Hawaii’s Department of Commerce and Consumer Affairs (DCCA) offers a useful guide that includes sample annual insurance premiums. Download that PDF here: A Consumer’s Guide to Homeowner’s Insurance in the State of Hawaii

The final Civil Defense update for lava flow activity near Pahoa was issued on March 27, 2015:

PRESS RELEASE: HPIA Moratorium Lifted for Puna District

HONOLULU – The state’s Insurance Division is advising Big Island residents that the Hawaii Property Insurance Association (HPIA) is now accepting all new business applications and coverage increase requests.

“This is an opportunity to safeguard against unexpected property damage,” said Hawaii Insurance Commissioner Gordon Ito. “We want to thank our lawmakers for taking steps to pass legislation to lift the moratorium.”

Act 32, which was signed into law on May 5, 2015, requires HPIA to lift any moratorium on the issuance of residential property insurance within lava zones declared to be under a lava flow-related state of emergency by the Mayor of the County of Hawaii. Support for lifting the moratorium in Puna via Act 32 can be attributed to the efforts of area legislators Sen. Russell Ruderman and Rep. Joy San Buenaventura, as well as the work of the chairs of the consumer protection committees in both the Senate and House, Sen. Rosalyn Baker and Rep. Angus McKelvey.

Commissioner Ito urges Big Island residents to be prepared and to seize this opportunity, before another lava flow or other natural disaster takes place. The lifting of the moratorium is an opportunity to access property insurance, which was previously restricted due to the Puna lava flow. Consumers are encouraged to contact their insurance agent for more information.

The Insurance Division created a lava information brochure and a homeowners premium comparison chart, which may be viewed at:

The Insurance Division oversees Hawaii’s insurance industry, issues licenses, examines the fiscal condition of Hawaii-based companies, reviews rate and policy filings, and investigates insurance related complaints.

For more information about the Insurance Division, visit or call (808) 586-2790.

One of the last June 27 lava flow imagery maps provided by Civil Defense

One of the last June 27 lava flow imagery maps provided by Hawaii County Civil Defense

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