Island residents Philip and Lunel Haysmer cried when they got the news. The retired couple from California recently learned that Lloyds of London had reversed its earlier decision denying their insurance claim for the Leilani Estates home they lost during Kilaueas eruption earlier this year. "My wife and I broke into tears," he said of their reaction. Lloyds initially denied the claims of the Haysmers and dozens of other Puna homeowners who lost their homes and had Lloyd-sponsored policies through Monarch E&S Insurance
Services and other companies, according to Jeffrey Foster, a Kona attorney who represents about 20 such homeowners.