The Hurricane Relief Fund is writing condo excess again — here's who qualifies
The Hurricane Relief Fund is writing condo excess again — here's who qualifies
2026-09-10 · Hawaii · Regulation
Hawaii’s Hurricane Relief Fund, dormant since 2000, has been issuing hurricane-only excess commercial property policies to condominium and townhouse associations since June 2025 — and by April 2026 had written 97 policies against 311 submissions.12
The authority is Act 296 (2025), codified through HRS ch. 431P; the operational launch came with Commissioner’s Memorandum 2025-2A on June 20, 2025, with applications opening June 24, 2025.
Eligibility — two hard gates
- The association must have been denied hurricane coverage by at least two Hawaii-licensed insurers.
- Total insured value must exceed $10 million.
What the policy is
Hurricane wind only, and excess — it attaches above the hurricane master property policy limit plus the HHRF deductible. Minimum underlying hurricane master policy limit: $10 million. Maximum HHRF limit: $140 million; above that a separate hurricane excess policy is required.
The deductible is fixed at 2% per building. The program’s own worked example: $100M insured value, $14M loss, $10M underlying limit → HHRF pays $2M.
Terms are one year with no automatic renewal. Reapply annually. Producer commission is 5% of premium, capped at $5,000, and premium is payable in full.
The two deadlines that lock a board out
Applications must reach a servicing facility 30 days before the desired effective date, with quotes available up to 60 days ahead and backdating up to 10 days with a no-known-loss affidavit.
And the one that matters most: a statewide moratorium on new applications, binding, and coverage increases takes effect whenever a hurricane watch or warning is issued for any island, lasting until 72 hours after it expires.
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Related Hawaii HOA Topics
- DCCA Insurance Division, Hawaii Hurricane Relief Fund program page and FAQs ↩
- Commissioner's Memorandum 2025-2A, “Hawai‘i Hurricane Relief Fund to Start Accepting Applications” (June 20, 2025) ↩
- HHRF Application Status — Statistics by Island (data to August 18, 2025) ↩
- HHRF Underwriting Guidelines, version 2025-10-10 ↩
- The Garden Island, “Use of Hurricane Relief Fund grows significantly,” April 12, 2026 ↩
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