The state is testing whether to extend the condo hurricane fund to houses
The state is testing whether to extend the condo hurricane fund to houses
2026-09-10 · Hawaii · Regulation · Pending — not yet law
Hawaii’s Insurance Commissioner ordered residential hurricane writers to file Hawaii-specific experience data twice in eight months, and the second order states its purpose plainly.1
From Commissioner’s Memorandum 2026-4PC, issued April 17, 2026:
“Based on the impact of the reactivation of the HHRF on the condominium hurricane insurance market, the Commissioner is seeking to determine whether the HHRF may have a similar impact on residential, single-family hurricane coverage.”
The two data calls
Memorandum 2025-8R, issued October 21, 2025, worksheets due December 31, 2025. It shifted the reporting period from 2009–2023 to 2010–2024 and reached insurers writing residential hurricane coverage now or at any time in the last fifteen years.
Memorandum 2026-4PC, issued April 17, 2026, worksheets due May 4, 2026, scoped to all authorised insurers currently writing residential hurricane coverage.
Authority: HRS §§ 431:2-201(a) and (b) and 431:14-114(c). Data submitted is confidential under HRS § 431:2D-114 and is not discoverable, so building-level results will not surface publicly.
What this means for a board
Nothing to file — the obligation runs on insurers. What it is, is the clearest published signal of where the Insurance Division is heading.
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Related Hawaii HOA Topics
- Commissioner's Memorandum 2026-4PC, “Hurricane Insurance Data Call” (April 17, 2026) ↩
- Commissioner's Memorandum 2025-8R, “Hurricane Insurance Data Call” (October 21, 2025) ↩
- DCCA Insurance Division, Condo Insurance FAQs (HPIA expanded product timing) ↩
- Hawaii Property Insurance Association (checked September 10, 2026) ↩
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