Honolulu sits on Oahu in the trade winds, and the houses take salt air, sun, and humid rain with no freeze and no basement. Older single-wall houses and newer framed houses share streets and do not share failures. South-shore lots live in salt off the water. Wetter valleys inside the city take more shower. A drier exposure is still Honolulu, and it is not a cold-climate town you can describe with a winter script.
Termites and rusted hardware are ordinary findings in this city, not a rare surprise at the end of a visit. Metal roofs and low-slope roofs carry sun without a break and then take wind-driven rain at the fastener. People block the trade-wind ventilation that cooled the rooms, seal the house, and trap humidity in wood that was supposed to dry between showers. That is a building problem. Treat it as one.
Lava rock and coral soil under Honolulu lots fight a new drain and fight any grade you meant to fix in an afternoon. Ohana additions put another roof and another bath on a lot that is often already tight. A leak crosses a slab or a visible wall because there is nowhere else for it to go. Salt keeps working in a dry week. The next humid rain will test the seam and the slope.
Your policy has to separate wind from water on a Honolulu house. A panel the trades lifted is not the same paperwork as rain through a rusted lap or a window seized by salt. Freeze is not the loss. Do not hunt a freeze deductible this city does not use. Read the deductible you have. Read the dwelling limit against the single-wall original, the framed addition, or the ohana if that is what got hit.
Say south-shore salt, a wetter valley, an older single-wall house, a newer framed house, or an ohana. Say what failed and whether water is inside now. Name the failure, not a general worry about the weather. Salt will not pause while the description wanders. Pick the trade and call.