With homes destroyed and lava spraying into a Hawaiian neighborhood, the concern for many homeowners is: Will the damage be covered? That really depends on the homeowners insurance policy and how the home was damaged. But theres no such a thing as volcano insurance or lava flow insurance, said Jerry Bump, chief deputy insurance commissioner at the Hawaii Department of Commerce and Consumer Affairs. Its such a specialty and so infrequent, that its not available, he said. However, damage could be covered if the homeowner had purchased a policy that covers all risk.
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