Are you buying a condo in Hawaii, or currently serving on your building’s AOAO board? The Hawaii Hurricane Relief Fund (HHRF) is back for 2026, but before you assume all property insurance problems are solved, you need to understand exactly what this means for your real estate investment.
In this video, I break down the brutal truth about the 2026 HHRF updates. While it brings much-needed capacity back to the Hawaiian condo market, it is not a fairy godmother for every building. We cover the strict qualifications—including the $10 million minimum insured value, the mandatory 2% per-building deductible, and why it absolutely does not cover deferred maintenance, broken pipes, or failing roofs.
As a Principal Broker specializing in luxury residential and commercial real estate across Oʻahu and the neighbor islands, I help local homeowners and international investors navigate these complex regulatory shifts. Whether you are exploring oceanfront real estate, managing a diverse island portfolio, or sitting on an HOA board trying to keep your building compliant with Fannie Mae and Freddie Mac guidelines, having a strategic advisor makes all the difference. Understanding the nuances of these insurance stacks is critical to ensuring your property remains highly liquid, financeable, and secure.
If you are looking to buy, sell, or simply want to understand how these insurance and regulatory shifts affect your property’s value in Hawaii, let’s connect.
Jason Wong (PB), MBA
President & Principal Broker, Island Dragonfly LLC
License #RB-22819 / #RB-24348
🌐 Visit my websites for exclusive listings and market insights:
Personal: https://jasonwong.us
Firm: https://islanddragonfly.com
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