{"id":12340,"date":"2022-06-04T23:08:04","date_gmt":"2022-06-05T09:08:04","guid":{"rendered":"http:\/\/thefilipinochronicle.com\/backup\/?p=12340"},"modified":"2022-06-04T23:08:05","modified_gmt":"2022-06-05T09:08:05","slug":"hurricane-season-review-your-insurance-policies","status":"publish","type":"post","link":"https:\/\/thefilipinochronicle.com\/backup\/2022\/06\/04\/hurricane-season-review-your-insurance-policies\/","title":{"rendered":"Hurricane Season: Review Your Insurance Policies"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img data-attachment-id=\"12339\" data-permalink=\"https:\/\/thefilipinochronicle.com\/backup\/hurricane\/\" data-orig-file=\"https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=786%2C437&amp;ssl=1\" data-orig-size=\"786,437\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"hurricane\" data-image-description=\"\" data-medium-file=\"https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=300%2C167&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=640%2C356&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=427%2C237\" alt=\"\" class=\"wp-image-12339\" width=\"427\" height=\"237\" srcset=\"https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?w=786&amp;ssl=1 786w, https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=300%2C167&amp;ssl=1 300w, https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=768%2C427&amp;ssl=1 768w\" sizes=\"(max-width: 427px) 100vw, 427px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>The Hawaii Insurance Division encourages residents to prepare their 14-day emergency kits and review their insurance plans as hurricane season approaches in Hawaii.<br><br>\u201cWe encourage consumers to review their insurance policies, including homeowners, hurricane, flood, auto, and any others, at least once a year,\u201d said Commissioner Colin Hayashida.<br><br>\u201cA lot can happen in a year that can affect your insurance costs and coverage options. Some of these things include renovations, extensions, and the increased cost of rebuilding.\u201d<br><br>As a short guide, here are the things you must check in your insurance policies:<br><br>&#8211; Check the amount of your deductible and make sure you are comfortable with it. A deductible is the policyholder\u2019s responsibility and any claims reimbursement that you are entitled to will be reduced by the deductible amount.<br><br>&#8211; Standard homeowners and renters insurance does not cover hurricane and flood damage.<br><br>&#8211; Hurricane insurance can be purchased separately or endorsed onto the current policy.<br><br>&#8211; Flooding can occur anytime and anywhere on the islands, consider adding flood insurance coverage.<br><br>&#8211; Consumers who purchase a National Flood Insurance Program policy need to plan ahead as there is typically a 30-day waiting period for the policy to go into effect.<br><br>For more insurance resources, visit <a href=\"http:\/\/cca.hawaii.gov\/ins\/resources\">cca.hawaii.gov\/ins\/resources<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Hawaii Insurance Division encourages residents to prepare their 14-day emergency kits and review their&#8230;<\/p>\n","protected":false},"author":1,"featured_media":12339,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","_links_to":"","_links_to_target":""},"categories":[11,5],"tags":[],"featured_image_urls":{"full":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=786%2C437&ssl=1",786,437,false],"thumbnail":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=150%2C150&ssl=1",150,150,true],"medium":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=300%2C167&ssl=1",300,167,true],"medium_large":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=640%2C356&ssl=1",640,356,true],"large":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=640%2C356&ssl=1",640,356,true],"1536x1536":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=786%2C437&ssl=1",786,437,true],"2048x2048":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=786%2C437&ssl=1",786,437,true],"ultp_layout_landscape_large":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=786%2C437&ssl=1",786,437,true],"ultp_layout_landscape":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=786%2C437&ssl=1",786,437,true],"ultp_layout_portrait":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=600%2C437&ssl=1",600,437,true],"ultp_layout_square":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=600%2C437&ssl=1",600,437,true],"covernews-slider-full":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=786%2C437&ssl=1",786,437,true],"covernews-slider-center":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=786%2C437&ssl=1",786,437,true],"covernews-featured":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=786%2C437&ssl=1",786,437,true],"covernews-medium":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=540%2C285&ssl=1",540,285,true],"covernews-medium-square":["https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?resize=386%2C250&ssl=1",386,250,true]},"author_info":{"info":["admin"]},"category_info":"<a href=\"https:\/\/thefilipinochronicle.com\/backup\/category\/_news\/hawaii-filipino\/\" rel=\"category tag\">Hawaii - Filipino<\/a> <a href=\"https:\/\/thefilipinochronicle.com\/backup\/category\/_news\/\" rel=\"category tag\">News<\/a>","tag_info":"News","comment_count":"0","jetpack_featured_media_url":"https:\/\/i0.wp.com\/thefilipinochronicle.com\/backup\/wp-content\/uploads\/2022\/06\/hurricane.png?fit=786%2C437&ssl=1","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/posts\/12340"}],"collection":[{"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/comments?post=12340"}],"version-history":[{"count":1,"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/posts\/12340\/revisions"}],"predecessor-version":[{"id":12341,"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/posts\/12340\/revisions\/12341"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/media\/12339"}],"wp:attachment":[{"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/media?parent=12340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/categories?post=12340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thefilipinochronicle.com\/backup\/wp-json\/wp\/v2\/tags?post=12340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}