Insurers leave Maui wildfire survivors in unsafe homes

Maui residents whose homes survived last year’s wildfires are now dealing with severe issues related to toxic contamination and inadequate insurance coverage, which is preventing many from returning to their properties. Homeowners are locked in disputes with insurers over insufficient payouts for smoke damage, with homes still filled with harmful residue from the 2023 fires. Independent experts estimate that the cost to restore these homes is up to four times higher than what insurers, such as State Farm, are providing.

Hawaii currently lacks industry standards for assessing wildfire smoke damage, leaving insurers to decide what constitutes a safe living condition. As wildfires become more frequent due to climate change, the lack of clear standards exacerbates the problem, leading to costly battles between homeowners and insurance companies. This situation not only poses financial difficulties but also raises health concerns for affected families, highlighting a critical need for regulation and support.