In Hawaii, our sunny weather can provide a false sense of security when it comes to evaluating the risk of flooding. Hawaii is also prone to bouts of heavy rain, flash flooding as well as ocean surges due to high surf. Because flood losses are not covered by Homeowners Insurance or Fire Insurance, if you were to experience an unfortunate flood situation, you would be responsible for any repairs to your home or property. With 25% of Hawaii Flood Insurance claims occurring in low to moderate risk flood areas, any home can still be in danger of damage from sudden rushing water, mudflow, wave action and water overflow.
More importantly, with the recent flood maps changes, many homes in Hawaii not previously at risk, may now be classified in a flood prone area.
Island Insurance provides Hawaii Flood Insurance through the National Flood Insurance Program's Write-Your-Own Flood Insurance Policy. One modest annual premium is all it will take to protect you from the unexpected.
For more information on an Island Insurance Flood Insurance rate quote, or click here to find an agent on Oahu, Maui, the Big Island or Kauai.
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