SB1128

SB1128 amends Hawaii insurance laws to extend coverage for additional living expenses under homeowners insurance policies during states of emergency.

SB1128 amends Hawaii insurance laws by adding provisions to Chapter 431, Article 10E, concerning claims for additional living expenses under homeowners insurance policies. Insurers must provide a list of commonly claimed items that may be covered as additional living expenses. During a state of emergency, coverage for these expenses extends to a minimum of twenty-four months, with potential extensions up to thirty-six months if delays are due to lack of materials or contractors. Policyholders can also receive additional six-month extensions for good cause.