Hurricane update August 2014, Iselle did not hit Hawaii
The media is having a field day claiming that Hurricane Iselle "hit" the Big Island. Further, that this "hit" dispelled the myth. Nothing is further from the truth. No hurricane hit Hawaii Island.
The volcanoes did exactly what they always do. They killed Iselle before it hit. Trillions of pounds of cold rock and thousands of square miles of elevated land dealt a triple blow:
1. Cold rock cooled advancing warm air.
2. Cold rock provided zero new warm water from the sea to feed upon.
3. The shape of the cold rock directed advancing winds upwards, where, shear winds ripped them away.
Now about this insurance issue.
1. Most of the damage was to homes built on the ground near sea level in known flood zones. Surprised? These homes needed flood insurance. Most had it.
2. Homes damaged by trees were mostly homes too close to giant invasive trees that should not have been there in the first place.
If your home was damaged by winds, and you have a standard insurance policy, you should know the following:
1. A hurricane is not a hurricane when it is downgraded to a storm.
2. Windstorms are covered in all extended coverage plans.
3. You may have to fight to get a pay out because Iselle was a "named storm". However, cases where others have fought this issue have won. One big supporting evidence for you to use is to ask why? Why should a homeowner on the mainland get payed out for winds in a thunderstorm that can be stronger that what hit the Big Island? This issue is important for everyone.
High insurance costs lower all property values on Hawaii Island. This includes condos. A condo association fee most likely includes unneeded hurricane insurance.
Now tell me...when the paper reports hurricane NOTHING just cost homeowners millions of dollars in unneeded costs. It happens to Hawaii Island residents every month. Philip Maise August 2014
The volcanoes did exactly what they always do. They killed Iselle before it hit. Trillions of pounds of cold rock and thousands of square miles of elevated land dealt a triple blow:
1. Cold rock cooled advancing warm air.
2. Cold rock provided zero new warm water from the sea to feed upon.
3. The shape of the cold rock directed advancing winds upwards, where, shear winds ripped them away.
Now about this insurance issue.
1. Most of the damage was to homes built on the ground near sea level in known flood zones. Surprised? These homes needed flood insurance. Most had it.
2. Homes damaged by trees were mostly homes too close to giant invasive trees that should not have been there in the first place.
If your home was damaged by winds, and you have a standard insurance policy, you should know the following:
1. A hurricane is not a hurricane when it is downgraded to a storm.
2. Windstorms are covered in all extended coverage plans.
3. You may have to fight to get a pay out because Iselle was a "named storm". However, cases where others have fought this issue have won. One big supporting evidence for you to use is to ask why? Why should a homeowner on the mainland get payed out for winds in a thunderstorm that can be stronger that what hit the Big Island? This issue is important for everyone.
High insurance costs lower all property values on Hawaii Island. This includes condos. A condo association fee most likely includes unneeded hurricane insurance.
Now tell me...when the paper reports hurricane NOTHING just cost homeowners millions of dollars in unneeded costs. It happens to Hawaii Island residents every month. Philip Maise August 2014
