HI Property & Casualty case studies
HI Property & Casualty · Put your knowledge to work in context.
The Hawaii Property and Casualty insurance licensing examination is the state's entry requirement for candidates who want to sell or service property and casualty insurance products in Hawaii. It is intended for new applicants seeking a resident producer license, career changers moving into the insurance industry, and producers from other lines who are adding property and casualty authority. The HI Property & Casualty case studies are 5 cases and about 3,930 words.
1The Fire Next Door: Indemnity, Subrogation, and a Stale Named Insured
Mia owns a duplex in Hilo and rents the lower unit to Kenji, whose unattended cooking starts a fire. The fire destroys Mia's upper unit and spreads to Lani's house next door.
708 words, about 4 min2Coinsurance Math on the Kona Building (and the Client Who Wants Less Insurance)
Kimo owns a 40-year-old commercial building in Kailua-Kona insured under a commercial property form with an 80% coinsurance clause, a 5,000 deductible, and a building limit of 1,200,000. A windstorm tears off part of the roof; the repair estimate is 400,000, and the insurer agrees the building's replacement cost at the time of loss is 2,000,000.
695 words, about 3 min3Puna Lava Zone: Placement, Percentage Deductibles, and a Backdating Request
Alana owns a 450,000 home in lower Puna, in a state-designated lava zone. Her carrier nonrenews her homeowners policy, citing volcanic activity and reinsurance costs; the letter arrives 45 days before expiration.
842 words, about 4 min4Waterproofing Failure: Subcontractor Exception, Additional Insured, and Late Tender
Kona Builders is the general contractor on a 3.5 million oceanfront home. It subcontracted the lanai waterproofing to Aloha Coatings.
836 words, about 4 min5Six Children, One HO-3: Business Pursuits, the Umbrella, and Three Losses
Noelani runs a licensed family childcare out of her Kaneohe home, caring for six children five days a week. She carries an HO-3 with 300,000 personal liability, a 1,000,000 personal umbrella, and a 5,000 medical payments limit.
849 words, about 4 min