Homeowner's Insurance.... getting jerked around

[Deckman]

I live in Hawaiian Shores and found out several neighbors who bought their houses in the last 2 years have been denied homeowners insurance and were forced to get HPIA state insurance ($4500 to $7000). With Universal Insurance pulling out of Hawaii, myself and at least 10 of my neighbors are going to have to get HPIA. The Lava Zones are not accurate so I would like to see the Governor to declare an Insurance Emergency or at least do an Executive Order declaring all licensed Insurance companies have to offer Homeowners insurance in all Lava Zones or risk losing their license. Do you think that could ever happen?