HRS §431:10-239
Insurance coverage after a breach before a loss
Read the official text at capitol.hawaii.gov ↗If you break a rule in your insurance contract before a loss happens, the insurance company cannot cancel your coverage or refuse to pay just because of that earlier breach. They can only deny your claim if the breach is still happening at the time of the loss.
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The statute, as written — Intervening breach
A copy, taken August 20, 2026. The version published by the Legislature is the one that governs, and it may have changed since. Check it before relying on anything here.
If any breach of warranty or condition in any insurance contract occurs prior to a loss under the contract, the breach shall not avoid the contract nor avail the insurer to avoid liability, unless the breach exists at the time of loss.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.