Hawaii puts salt air, sun, and humid rain on houses that were never built for a freeze. Trade winds stack showers on the windward side and leave the leeward side drier, and both sides still eat hardware. There is no basement to hide a mistake. Older single-wall houses and newer framed houses fail in different places. Mix them in one sentence and the wrong work shows up.
Termites take the wood while rust takes the fasteners, the hinges, and the roof screws. Metal roofs and low-slope roofs bake in the sun and then take wind-driven rain at the seam. People block the trade-wind ventilation the rooms were built to use, close the house for cooling, and then live with walls that sweat. That blocked breeze is a failure. Call it a failure, not a preference.
The ground under these houses is lava rock and coral soil. It fights a trench, holds water in strange places, and turns a simple regrade into real work. Ohana additions hang a second roof, a second bath, and another set of pipes on a house that may already be tired. Salt does not take a week off. Humid rain still finds the low spot, including on the drier side when a hard rain arrives.
Your policy has to keep wind and water apart, because they are different paperwork when they take different paths. A lifted metal panel is not the same claim as rain through a rusted valley or a window the salt has seized. There is no freeze loss to borrow from a cold-climate form. Read the deductible on your page. Read the dwelling limit against the single-wall house, the framed house, or the ohana you actually have.
Say windward or leeward, single-wall or framed, and what actually failed. A soft wall, a rusted roof, a bath that will not dry, or water running at the slab are different calls. Do not wait for the next shower to explain it. Pick the trade and call.