03-16-2013, 01:25 PM
In Hawaii County, most homeowners insurance does not cover lava inundation (also not cover by most here, earthquake damage...), so you gotta hope that you can prove the house burned up first... and have the time to wait until you can rebuild on your lot, as it may take a decade or longer... and homeowners insurance usually does not include the replacement of your lot (esp. if your lot does still exist, only at a higher elevation...)
oh, and 90% of Kilauea has been covered with lava in the past 1.5K years (ie, since the first human visitors)...and 60% of Mauna Loa....including a huge chunk of Hilo, big chunk of Kau, Waikaloa, & various parts of Puna & Kona....& we are floating away from the islands' birthplace, so living here really is temporary, by next year, your house will not even be here, it will be slightly over there... every year sliding away from here....
Living here, you really are not in control, and to expect to have things taken care of, if something happens, probably will cause a severe let-down on the soul... so it is best to look at all as a temporary solution.... but also best to plan for safety first... just because that is always a good thing to plan for ;~)
oh, and 90% of Kilauea has been covered with lava in the past 1.5K years (ie, since the first human visitors)...and 60% of Mauna Loa....including a huge chunk of Hilo, big chunk of Kau, Waikaloa, & various parts of Puna & Kona....& we are floating away from the islands' birthplace, so living here really is temporary, by next year, your house will not even be here, it will be slightly over there... every year sliding away from here....
Living here, you really are not in control, and to expect to have things taken care of, if something happens, probably will cause a severe let-down on the soul... so it is best to look at all as a temporary solution.... but also best to plan for safety first... just because that is always a good thing to plan for ;~)