Hawaiian Hurricane Group is a General Agency and the Hawaiian Manager for property insurance products we distribute here in Hawaii. Our Products currently include a Hurricane Only product for residential properties on all the Hawaiian Islands.
Hawaiian Hurricane Group automatically mitigates the ‘Ordinance or Law’ exclusion. This means that our coverage includes the cost of bringing your home up to code & protects you from what may be a significant gap in coverage & extra expenses should you suffer a loss.
The cost of bringing your home up to current building code could cost you up to 30% of the repairs, or more! More importantly, these costs would be in addition to your deductible if the Ordinance or Law exclusion is not mitigated. The older the home, the more these requirements are likely to cost!
• Hawaii is surrounded by cool water which weakens hurricanes as they approach the islands.
• Wind shear caused by surface (Trade Winds) & atmospheric winds
(Jet Stream) moving in opposite directions
These factors help contribute to the low number of major hurricanes that have hit Hawai'i in living memory as well as helping Hawaiian Hurricane Group provide superior insurance rates. However, hurricanes are famously unpredictable and there is a very real possibility of the Hawaiian Islands being hit again by a powerful and devastating storm. Make sure your family and property are protected!