Letter from Rep Joy
Before you accuse me of burning down Puna, PLEASE
read my original bills before the chairs of the
committee, not me, changed them. So that you are able
to track legislation better, please consider going to a
Public Access workshop - they had one in Pahoa last
month and they have one once a year. For help now, go
These are the bills I introduced and to ensure that I
had a good chance of passing a bill, I spoke to the
Insurance Commissioner beforehand to get his support:
HB370: Required renewals (look at the original bill- this
was opposed by the Insurance Council but supported
by the Insurance Commissioner). To ensure that at
least one version passed, I asked Sen. Shimabukuro to
pass the companion senate bill. The House CPC chair
refused to even grant a hearing on this bill but the
Senate heard it, changed it and
The House CPC chair informed me that he deferred it in
favor of HB380 which he felt had better chance of
passing through the entire house. HB380 required the
removal of the HPIA moratorium: This passed the
The original HB737 merely required the expansion of
the Hurricane Fund to include lava disasters. However,
after this was amended twice, it was gutted and
replaced by wording from HB370 which required
renewals and HB380 which lifted the moratorium. i.e.
HB737 is a conglomeration of HB370 &
Remember, this is not an authoritarian regime so we
need 26 representatives and 13 senators to pass a bill
before Gov. Ige sees it and we need him to also agree.
Thus, HB737 as amended requires renewals, but allows
5% non-renewals to appease those representatives &
senators who agree with the Insurance Council, but
also requires the lifting of the moratorium so that those
who are not renewed are able to get insurance through
Without the amendments, there is no statute requiring
renewals because HB370 in its present form died.
HB737 passed 3rd reading today but the senate may
amend it again once it crosses over but its unlikely
because the latest version matches the senate version:
SB737. If you look at SB737's history, you will see the
original language was gutted and replaced with the
language of my bills...altho it has Sen. Ruderman as
I hope the above answers your questions. We only have
the best interests of Puna at heart.
Rep. Joy San Buenaventura
Here is my followup letter to Joy. (I had asked her how
she could sleep after gutting HPIA. )
Thank you so much for your detailed reply.
It wasn't until my second reading of your reply I caught
this point you made:
" Thus, HB737 as amended requires renewals, but
allows 5% non-renewals to appease those
representatives & senators who agree with the
Insurance Council, but also requires the lifting of the
moratorium so that those who are not renewed are
able to get insurance through HPIA."
The problem I had was not understanding this 5% non-
renewal was in reference to non-HPIA policies. I
thought the HPIA policies were at risk.
Non-HPIA policies from all but Lloyd's have been next
to impossible to get for about 10 years or more. One
sad thing about this is the people that still have direct
policies with carriers like State Farm tend to be senior
citizens. Switching to HPIA will not be easy for most.
I have posted your letter on-line at Punaweb and City-
I most certainly appreciate your efforts. I apologize
about my prior comment. Sleep well.
Philip B. Maise