Kahauale'a II flow moving toward Pahoa again.

[Bullwinkle]

I believe the exposure to the insurance companies would be by zone - at least they adjust their rates according to risk (my other place asigned risk fire coverage) high fire risk - like having a dui

compare the rates from zone 1 to zone 5 to catch my drift.

as far as not paying out - there is a move to solve that issue to standardising consumer contracts

not everyone having access to lawyers to review each and every insurance contract.