Lenders screw Pahoa

[EightFingers]

Lava zones and flow maps all presume lava flows have the same characteristics as water which is not true. Lava creates its own obstacles which it will then flow round, create more obstacles, etc. etc. Lava tubes can extend for 50 miles.

[pbmaise]

Aloha,
Yes, lava can change course and change where it begins erupting to the surface.
In creating Lava Zones 11, 12 and 13 the fact that lava can change course is taken into account. These three new lava zones have flexible borders based upon current events.

Basically most of us reading this forum know exactly where the current peril is to properties and Kilauea's flow has confined itself to that area now for over 2 decades. That is lava zone 13.

One thing that will be difficult for many to understand is that while they may now live in an area that is Zone 3 and higher, their property is subject to being designated by the USGS as being in peril and hence lava zone 13.

All of this is about protection of the lender, insurance company, and buyers from underwriting or purchasing property without more clearly understanding the risk. Information is needed regarding where the risk is. When a former employer of mine stopped lending in the area their main concern was not being able to see this information.

Hurricane insurance is another major topic I cover and I want to share with you a link to a photo I located for Florida.

http://www.city-data.com/forum/members/p...dr-map.pdf

According to a site I read this map is being used by insurance firms to make insurance policies less expensive for those that live outside areas facing greater peril.

This is exactly the type of route we should be taking to obtain lower rates for Hawaii Island. We need maps like this, research, and proof to take to industry and demand that we only be charged for what is our fair risk. Instead, we are sitting back and allowing insurance companies to claim all risk is the same. I am only one self-interested motivated person and need the collective strength of a community.

How do we establish Zones 11, 12, and 13 that is intended for private property and current risk?

(Zones 1-9 and they were not intended for private property and do not show current risk.)

I want others to come up with ideas, provide review of what I have proposed and make it better, take the ball and run, kick the can, talk with Uncle Robert, get the shotgun, turn off the TV, call their congressman, phone their attorney, hold a bake-sale, and get signatures.

Things always change. A lunatic believes things will change for the better if they do nothing. After 10 years in Puna I think I am finally beginning to understand the word punatic better.


Philip Maise

[pbmaise]

p.s. I'm adding to the documents I have been gathering slowly and provide this additional update. In regards to everyone paying hurricane insurance, all of Hawaii was lumped together by a governmental body, most likely FEMA, as being very high risk. Zurich quotes that same very high risk as justification to charge you the same rate as a Florida Coast resident. I have included Zurich's documents and updated the strategic plan on the users group.

Philip Maise

[oink]

I seriously doubt you pay as much for insurance there as we do in coastal S. Fl.

Pua`a
S. FL
Big Islander to be.

[LastTangoInPuna]

Well boys, whip out those bills and let's see who's is bigger.