01-29-2014, 11:42 AM
I am not sure about the weather conditions in Orchid Land specifically as we live in Nanawale (which is pretty rainy, but we have a leather loveseat and as long as you keep dry air circulating in your home, the leather doesn't appear to mold. A side note, we use only ceiling, window and stand alone fans, not AC or a dehumidifier.
We use Dan Soto for insurance (our house is also Zone 3):
Dan De Soto
Mutual Underwriters
Agent
Tel: 808-961-3207
Fax: 808-969-1120
275 Ponahawai St., Ste#105
Hilo, HI 96720
We received a quote from our regular insurance (Allstate) but it was over 2x as much as what Dan was able to get for us, with the same coverage. Very reasonable pricing. So far we have had excellent service. He was recommended to us by a couple of other people, which is why we turned to him. I don't think we needed much to get the initial policy set up except for general information. A few weeks in they send someone out to inspect the property to confirm their coverage is appropriate and they will most likely want a copy of any mortgage agreement you might have, so they have it on record and can inform the mortgagee if the policy isn't kept paid up.
Other people who have lived here longer can mostly likely speak to the lava flow issue more accurately than I, but from what I have read/heard/researched, the lava moves slowly and no one is seriously worried about it at this time. With Pele, you never know, but for now we seem to be in her good graces.
Best of luck with your project!
Allison
I do not fear computers, I fear the lack of them.
- Isaac Asimov
We use Dan Soto for insurance (our house is also Zone 3):
Dan De Soto
Mutual Underwriters
Agent
Tel: 808-961-3207
Fax: 808-969-1120
275 Ponahawai St., Ste#105
Hilo, HI 96720
We received a quote from our regular insurance (Allstate) but it was over 2x as much as what Dan was able to get for us, with the same coverage. Very reasonable pricing. So far we have had excellent service. He was recommended to us by a couple of other people, which is why we turned to him. I don't think we needed much to get the initial policy set up except for general information. A few weeks in they send someone out to inspect the property to confirm their coverage is appropriate and they will most likely want a copy of any mortgage agreement you might have, so they have it on record and can inform the mortgagee if the policy isn't kept paid up.
Other people who have lived here longer can mostly likely speak to the lava flow issue more accurately than I, but from what I have read/heard/researched, the lava moves slowly and no one is seriously worried about it at this time. With Pele, you never know, but for now we seem to be in her good graces.
Best of luck with your project!
Allison
I do not fear computers, I fear the lack of them.
- Isaac Asimov