WELCOME BACK.
WE ARE IN THE MIDDLE OF
HURRICANE SEASON BUT
IT'S NOT TOO LATE TO GET
HURRICANE INSURANCE FOR
YOUR HOME.
WHAT DOES HURRICANE
INSURANCE COVER AND HOW
OFTEN SHOULD SOMEONE
AUDIT THEIR COVERAGE?
TIM JOHNS, PRESIDENT AND
CEO OF ZEPHYR INSURANCE
JOINS US WITH MORE.
THANK YOU FOR JOINING US
THICK OF THINGS WHEN IT
COMES TO HURRICANE
INSURANCE.
PEOPLE THAT NEED
HURRICANE INSURANCE OR
HAVE HURRICANE
INSURANCE, THAT PROTECTS
THEM FROM THE WIND
DAMAGE.
THAT'S RIGHT.
WE ARE TWO MONTHS INTO
HURRICANE SEASON, AS YOU
KNOW.
IT'S BEEN 30 YEARS SINCE
WE'VE HAD A MAJOR EVENT
HERE BUT WE HAD A COUPLE
OF CLOSE CALLS LAST
MONTH WITH HURRICANE
ERIC AND FLOSSIE.
NOW IS THE TIME TO CHECK
ON WHAT YOU HAVE.
THE WAY THAT HURRICANE
INSURANCE WORKS IS ONCE
THE NATIONAL HURRICANE
CENTER HAS ISSUED A
WATCH OR A WARNING FOR
HAWAI'I AND HURRICANE
COVERAGE KICKS IN FOR
WIND DAMAGE.
UP UNTIL THEN IT'S YOUR
HOMEOWNERS INSURANCE AND
THEN ONCE THE WATCH IS
ISSUED, HOMEOWNERS
INSURANCE TURNS OFF,
HURRICANE INSURANCE
TURNS ON.
AND IT STAYS ON UNTIL 72
HOURS AFTER THE
HURRICANE HAS LEFT.
AND IT COVERS EVERYTHING
YOU HAVE IN YOUR POLICY.
THAT'S WHY IT'S
IMPORTANT TO CHECK WHAT
YOU HAVE IN YOUR POLICY.
QUESTION ABOUT THE
WINDS AND THE RAIN
BECAUSE THE BIG ISSUE IS
WITH STORM SURGE AND
FLOODING.
WE DON'T HAVE TO GET HIT
DIRECTLY BY A HURRICANE
TO HAVE SERIOUS
FLOODING.
DOES THE HURRICANE
INSURANCE COVER WATER
DAMAGE OR FLOODING.
THE WAY IT WORKS IS
HURRICANE INSURANCE
SO IF THE ROOF BLOWS OFF
AND WATER BLOWS IN FROM
THE TOP OR SIDES, THAT'S
THE EASY WAY TO THINK OF
IT, THEN THAT'S
HURRICANE COVERAGE.
OCEAN OR A SURGE, THEN
THAT'S FLOOD COVERAGE
AND THAT'S A SEPARATE
THING.
HOMEOWNERS POLICIES IN
HAWAI'I, MOST OF THEM
HAVE EXCLUSIONS FOR
HURRICANE CATH FOR THE
WIND AND FLOOD COVERAGE
SO THOSE ARE SEPARATE
THIS PEOPLE NEED TO
THINK ABOUT.
AND IF YOU LIVE IN A
FLOOD-PRONE AREA WHERE
YOU CAN GET FLOODING
FROM A HURRICANE, THEN
YOU'VE GOT TO MAKE SURE
YOU'RE COVERING NOT ONLY
THE WINDS BUT ALSO THE
FLOODS.
LET'S ASK YOU ABOUT
THIS WHOLE AUDITING
THEIR INSURANCE COMPANY.
I HAVEN'T HEARD TOO
CAN YOU EXPLAIN WHAT IT
IS?
I THINK FOR MOST
PEOPLE, WHEN YOU GET
YOUR INSURANCE POLICY,
YOU KIND OF SIT OF IT.
YOU DON'T THINK ABOUT IT
UNTIL THE HURRICANE
COMES.
EVERY COUPLE OF YEARS OR
IF YOU'VE ADDED A MAJOR
RENOVATION TO YOUR
HOUSE, YOU PROBABLY
SHOULD AUDIT YOUR
POLICY.
TAKE A LOOK AT YOUR
POLICY OR ASK YOUR
INSURANCE AGENT TO LOOK
AT YOUR POLICY AND MAKE
SURE THAT YOU HAVE THE
COVERAGES THAT YOU WANT.
IF YOU DON'T HAVE THEM,
THEN YOU COULD BE IN FOR
A PLEASANT SURPRISE ONCE
THE HURRICANE HITS.
THE KINDS OF COVERAGE
THAT MOST PEOPLE HAVE IS
JUST THE MINIMUM
COVERING THE STRUCTURE
OF THE HOUSE.
WHAT'S IMPORTANT IS IF
YOU WANT TO HAVE YOUR
CONTENTS COVERED INSIDE,
SO ALL YOUR FURNITURES,
ALL YOUR VALUABLE STUFF,
EVERYTHING THAT'S
IMPORTANT TO YOU INSIDE
A LOT OF PEOPLE DON'T
REALIZE THAT HSOME
PEOPLE JUST GET THE
MINIMUM AND DON'T DON'T
GET THE COVERAGE FOR THE
CONTENT.
THAT'S IMPORTANT TO HAVE
THAT.
LET'S SAY WE'RE IN
THE MIDDLE OF HURRICANE
SEASON AND WE ARE, WE
SEE A SYSTEM OUT THERE
WHAT IS THE VERY LAST
POINT THAT I CAN PICK UP
THE PHONE AND CALL
ZEPHYR AND SAY I NEED
COVERAGE.
ONCE THE HURRICANE
ISSUE IS -- WARNING IS
ISSUED BY THE NATIONAL
WEATHER CENTER.
YOU HAVE A COUPLE
SYSTEMS OUT THERE, SO
NOW IS THE TIME TO MAKE
SURE YOU HAVE THAT
COVERAGE.
IF YOU HAVE A REPORT A
-- HAVE A MORTGAGE, THE
MORTGAGE COMPANY IS
REQUIRING YOU TO HAVE
COVERAGE.
YOU CAN GET IT UP TO THE
TIME THE HURRICANE WATCH
IS ISSUED.
AND I LIVE LYNN A
CONDO, NOT A HOUSE.
STILL IT'S PROBABLY A
GOOD IDEA TO GET
COVERAGE JUST IN CASE.
A LOT OF TIMES THE
KOANLD ASSOCIATION GETS
STRUCTURE BUT YOU MAY
HAVE TO GET YOUR OWN
COVERAGE FOR YOUR
CONTENT.
ALWAYS A GOOD IDEA.
BETTER TO BE SAFE THAN
SORRY.
TIM JOHNS, PRESIDENT AND
CEO OF ZEPHYR INSURANCE.
GIVE THEM A CALL.
WHAT'S THE BEST WAY FOR
PEOPLE TO CONTACT YOU
AND MAKE TALK ABOUT
COVER.