Lava Insurance

[BlackAkita]

While that is true, some of the folks who lost houses in Leilani had to prove that the house burned by fire and not simply being destroyed by lava. They had videoed their own home bursting into flames just before the lava actually ran over it.

I did not have lava coverage, did not have the house destroyed (it did have damage) and got paid.

Did you have Allstate as your insurance company, and do they still insure for fire from molten lava or embers, but not for lava encasing your property?

On another subject, how is everyone dealing with changes in HI insurance caused by the Maui wildfires? I have a State Farm policy in E. Honolulu, and my agent is warning me about rate hikes as well as cancellation. He stated that they will no longer insure for Actual Cash Value (ACV). Instead the policies will be for Actual Replacement Cost. That is frightening since they may demand that the roof of your home has to meet current building codes. The cost of a new tile roof can exceed $150,000!

https://www.hawaiinewsnow.com/2026/01/15...wildfires/