04-16-2010, 10:53 AM
HPIA is a State insurance program where they contract out the coverage to independant insurance companies. Presently the company that is handling the HPIA program is First Insurance Co of Hawaii Ltd. in Honolulu. I have tried to correspond with them and they do not answer my letters. Their rates are outragous but you have no choice for Lava Zone 1 risks. I have copies of their last 3 filings with the State Dept. of Insurance and there are some real grey areas in their rate setting methodology. I am about ready to ask the State Attorney General's Office to do an investigation.