As Hurricane Lane pummels Hawaii, hunkered-down residents likely are facing several days before they can emerge to assess the storm's damage. Whether their homeowners insurance will cover it is another issue.
The massive, slow-moving system — downgraded to a Category 3 storm on Thursday — could become the first major hurricane to make landfall on the group of islands in 26 years.
Already, Lane is unleashing dangerous winds and torrential rain. More than 30 inches has fallen on Hawaii's Big Island, causing catastrophic flooding, according to the National Weather Service.
Unlike most homeowners insurance in other states, policies in Hawaii generally exclude hurricanes from coverage. If there's a mortgage on the property, the lender will likely require a policy, however.