Philip Maise's (pmaise) Blog

Hurricanes Dot (1959), Iwa (1982), and Iniki (1992) hit the island of Kauai.  Lots of damage! Based upon this historical view, and a look at other storm tracks in the figure above, hurricane insurance for any residence on the Hawaiian Island of Kauai looks prudent.  For a damaging hurricane to hi...

The Island of Hawaii is made up of 5 volcanoes: Kohala  Considered Extinct Mauna Kea  Considered Extinct Hualalai  Currently Not Active Mauna Loa  Actively Expanding and "Due Soon" Kilauea Currently Erupting As a loan officer, I am frequently asked by clients if their home is covered in the event...

National insurance companies usually produce just one policy document they give out nationwide. However, many States have laws on their books that dictate minimum coverages and exclusions. For Example:  In Hawaii, it is not possible for a firm to exclude damage due to a lava flow.  Therefore, all...

Bet you never had a closing like this one! I should have known we were headed from trouble when the County records indicated the property owner was "I AM".  If you know your Bible you should know that means the seller changed her name to essentially "GOD".  It was a short sale and she was walking...

After parties spent over $400,000 in legal fees, and the Court awarded parties another $400,000 in judgments, perhaps the longest running real estate legal battle in Hilo Hawaii appears to be drawing to a close.  Was this case about million dollar properties? Was it a huge developer fighting loca...

There are so many risks a potential homebuyer may face in a home that the number of disclosures have gone up and up.  Since the garden isn't the home, do you have to disclose that a buyer may die from eating from his new backyard garden? This new question is now in discussion in places like Hawai...

Some lucky homeowners help finance their slice of paradise by owning and operating a bed and breakfast. The lure of owning a bed and breakfast is strong.  You get to live in a big house.  That home might be close to the beach, it may have nice features like a swimming pool and hot tub, and the be...