HomeMy WebLinkAboutCOM 0178.002 2020-2022 Pt aOREOC,
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From: Toby Hazel COUNTY CLERK
Sent: Sunday, April 04, 2021 1:17 PM COUNTY OF HAWAI I
RECE IVED �(
To: Council Testimony Time ivp.m. By 6
Subject: Res. 75-21/Insurance study
Date APR 0 4 2021
Many residents who purchased or built homes in lava zone 1-2,were not really aware of the danger when they purchased within
legal subdivisions years ago. Since the County has authored and approved these subdivisions and all building permits, it does seem
now after two dangerous lava events that the insurance coverage be examined and a study be done to give residents relief.
Personally I was able to obtain Allstate insurance many years ago for my home in Nanawale but when a large albezia tree fell on my
roof from across the street in 2014,'damaging the roof, it took over TWO years to file and obtain enough coverage to replace the
roof.The Honolulu appraiser did not believe the$10,000 cost of removing the old shingle roof that had to be transported to the Hilo
dump. When I realized that Allstate only wanted to pay exactly the amount I had paid over the years, I had to appeal to upper
management to fully pay the cost of a metal roof placed over the old shingles rather than remove them.
Water was leaking into the house before the problem was finally resolved. Neither the County nor FEMA recognized our problems in
2018 during the second lava event when many of us had to "unofficially"evacuate due to extensive toxic gasses in the buffer zones.
There was little or no insurance for having to leave home for four months and FEMA covered very little of actual damage for many
residents. Because monitors were lost and not replaced for a very long time, proof of these difficulties were next to impossible.
Toby S Hazel
Hilo
Sent from my iPhone
Comm. N2j. 11 S .1
Ref. To: 1" I CaoasuL
Ref. Sate APR - 6 2021
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