07-10-2026, 01:14 AM
(This post was last modified: 07-10-2026, 01:22 AM by leilanidude.
Edit Reason: clarity
)
Pyramid in Hilo. I have coverage through American Modern and this is in Lava Zone 1 but as I understand it, they will no longer insure new customers in LZ1 or LZ2. I also have a separate rider for lava coverage through them and have a separate policy through ICAT for hurricane. For the general coverage it is for full replacement costs but $525k limit if I don't rebuild, with 10% (or $52.5k) extra for the garage and $75k contents plus $1 million general liability coverage. $2400 annual cost + $1200 more for the hurricane policy.
Both care about when the steel roof was last replaced and its condition. Both inspect, annually. No "trees or grass" growing in the gutters and no trees too close to the house. Zero catchment tank requirements (have a 3 year old 7,500 gallon and fire department won't use your tank water anyway).
Both care about when the steel roof was last replaced and its condition. Both inspect, annually. No "trees or grass" growing in the gutters and no trees too close to the house. Zero catchment tank requirements (have a 3 year old 7,500 gallon and fire department won't use your tank water anyway).