Proof of loss deadlines are always a little tricky when the case law is not clear. For the Maui wildfire victims with an insurance policy that requires a proof of loss to be filed within 60 days from the date of the loss, my suggestion is to be safe rather than sorry and obtain an indefinite extension to file a proof of loss. 

Continue Reading The 60-Day Proof of Loss Deadline in Hawaii

One of my favorite sailors and racing companions is Keahi Ho. He is a Maui firefighter and a crew member on Merlin. While fighting fires and saving lives on Maui last week, his home, boat, and car were lost to the fire which destroyed Lahaina and its port.

Continue Reading Has Hawaii Determined a Definition of “Actual Cash Value” Under a Property Insurance Contract?

Teamwork is the key to success when presenting a property insurance case in the courtroom or while racing a sailboat to Hawaii. I appreciate teamwork a lot more after completing the recent Transpacific Yacht Race on Merlin to Hawaii. 

Continue Reading Thoughts About the Practice of Property Insurance Law Following the Transpacific Yacht Race to Hawaii

Hawaiian insureds not only have to contend with volcanoes and lava, they have hurricane disputes with their property insurers, just like everybody in the Gulf Coast states. To resolve those disputes and provide an extra-contractual remedy, Hawaii allows appraisal and has a cause of action for bad faith after the appraisal. A short summary of that law is found in a Westlaw synopsis to a Hawaiian case:

Continue Reading Hawaii Has Hurricanes, Appraisal, and Bad Faith

Since I am racing my sailboat to Hawaii, it seems only fitting to research insurance contract interpretation law in Hawaii. A federal insurance law case involving an unusual sinking of a boat seems appropriate. There will be a few lessons from this case over the next few days. But we will start with the basics—how do courts in Hawaii interpret insurance policies?

Continue Reading Hawaii Insurance Contract Interpretation

Merlin 2019 Transpac Team at Waikiki Yacht Club

Hawaii is paradise. The Aloha State deserves its reputation as exotic, fun loving, and a place to reflect about life—as you can tell from the picture above with my friend following the finish of the 2019 Transpac Race. So, it is fitting that insurers who wrongfully breach the peace of mind which insurance is supposed to protect are subject to emotional distress damages in Hawaii.
Continue Reading Emotional Distress Damages Allowed in Hawaii For Insurance Bad Faith Conduct

Hurricanes, tsunamis, and earthquakes are the most common natural disasters to impact the State of Hawaii. The 2018 Hawaii hurricane season was one of the most destructive in recent memory, with six hurricanes hitting the islands. 2018 also brought the lower Puna volcano eruption.
Continue Reading How To File A Complaint With The Hawaii Department of Insurance About Your Delaying, Denying and Bad Treating Insurance Company