What is the most common cause of property damage claims in Hawaii?

The most common cause of property damage claims in Hawaii is hurricane and storm damage. This is largely due to Hawaii's geographical location in the Pacific Ocean, where it is exposed to tropical storms and hurricanes. The climate, combined with the lush landscapes and coastal communities, makes hurricanes and related storm conditions particularly damaging to properties.

Hurricanes can bring strong winds, heavy rainfall, and storm surges, all of which can lead to significant structural damage to homes and businesses. Given the vulnerability of the islands to such weather events, insurance claims as a result of these occurrences are prevalent. This aligns with insurance data reflecting that storm damage tends to be more frequent and severe compared to other types of property claims in the region.

While other factors like flooding and fire incidents do contribute to property damage, they are not as consistent or widespread as hurricane-related damage in Hawaii’s unique environment. The state's infrastructure and building codes also focus on hurricane preparedness to mitigate these risks, but nevertheless, storms remain the primary concern for property insurers and homeowners alike.