Hale v. Lloyd's London

── Hale v. Lloyd's London ── Court: Hawaii Intermediate Court of Appeals Date: April 23, 2026 Category: General NOT FOR PUBLICATION IN WEST'S HAWAI‘I REPORTS AND PACIFIC REPORTER Electronically Filed Intermediate Court of Appeals CAAP-XX-XXXXXXX 23-APR-2026 07:56 AM Dkt. 74 SO NO. CAAP-XX-XXXXXXX IN THE INTERMEDIATE COURT OF APPEALS OF THE STATE OF HAWAI‘I MICHAEL W. HALE, Plaintiff/Counterclaim Defendant-Appellant, v. LLOYD'S, LONDON, aka LLOYD'S, LONDON, aka LLOYD'S, aka THE SOCIETY, aka THE CORPORATION OF LLOYD'S, aka THE SOCIETY OF LLOYD'S, CERTAIN UNDERWRITERS AT LLOYD'S LONDON; BORISOFF INSURANCE SERVICES, INC., dba MONARCH E&S INSURANCE SERVICES; ARMS CLAIMS INCORPORATED d/b/a AFFIRMATIVE RISK MANAGEMENT; PYRAMID INSURANCE CENTRE, LTD.; JERRY G. MANIN; and CHRISTINE MICHELLE GUMBS, Defendants-Appellees, and SPECIALIZED LOAN SERVICING LLC, Defendant/Counterclaimant-Appellee, (CASE NO. 3CC191000143) ______________ MICHAEL W. HALE, Plaintiff-Appellant, v. LLOYD'S, LONDON, aka LLOYD'S, LONDON, aka LLOYD'S, aka THE SOCIETY, aka THE CORPORATION OF LLOYD'S, aka THE SOCIETY OF LLOYD'S; CERTAIN UNDERWRITERS AT LLOYD'S LONDON identified as LLOYD'S SYNDICATE NO. 2003, LLOYD'S SYNDICATE NO. 318, LLOYD'S SYNDICATE NO. 4020, LLOYD'S SYNDICATE NO. 2121, LLOYD'S SYNDICATE NO. 2007, LLOYD'S SYNDICATE NO. 2283 AND LLOYD'S SYNDICATE NO. 1729; BORISOFF INSURANCE SERVICES, INC., dba MONARCH E&S INSURANCE SERVICES; ARMS CLAIMS INCORPORATED, d/b/a AFFIRMATIVE RISK MANAGEMENT; ILIKEA, LLC, d/b/a MOA INSURANCE SERVICES HAWAI‘I; JUDY MOA; Defendants-Appellees, (CASE NO. 3CCV-XX-XXXXXXX) ______________  NOT FOR PUBLICATION IN WEST'S HAWAI‘I REPORTS AND PACIFIC REPORTER GREGORY C. DENCKER and CAROL K. DENCKER, husband and wife, and CHAMPAGNE COVE, LLC, Plaintiffs-Appellants, v. LLOYD'S, LONDON, aka LLOYD'S, LONDON, aka LLOYD'S, aka THE SOCIETY, aka THE CORPORATION OF LLOYD'S, aka THE SOCIETY OF LLOYD'S; CERTAIN UNDERWRITERS AT LLOYD'S, LONDON SUBSCRIBING TO POLICY NO. HGMH17407 identified as LLOYD'S SYNDICATE NO. 2003, LLOYD'S SYNDICATE NO. 318, LLOYD'S SYNDICATE NO. 4020, LLOYD'S SYNDICATE NO. 2121, LLOYD'S SYNDICATE NO. 2007, LLOYD'S SYNDICATE NO. 2283 AND LLOYD'S SYNDICATE NO. 1729, alien surplus lines insurers in the State of Hawai‘i; BORISOFF INSURANCE SERVICES, INC., dba MONARCH E&S INSURANCE SERVICES; ARMS CLAIMS INCORPORATED, d/b/a AFFIRMATIVE RISK MANAGEMENT; PYRAMID INSURANCE CENTRE, LTD.; JERRY G. MANIN, Defendants-Appellees (CASE NO. 3CCV-XX-XXXXXXX) APPEAL FROM THE CIRCUIT COURT OF THE THIRD CIRCUIT SUMMARY DISPOSITION ORDER (By: Nakasone, Chief Judge, Leonard and Guidry, JJ.) The underlying consolidated cases arise out of Plaintiff/Counterclaim Defendant-Appellant Michael W. Hale (Hale) and Plaintiffs-Appellants Gregory C. Dencker, Carol K. Dencker (the Denckers), and Champagne Cove, LLC's (collectively, Appellants) insurance claims for property damage caused by a volcanic eruption on the island of Hawaiʻi. 1 On February 16, 2023, the Circuit Court of the Third Circuit 2 (circuit court) entered its "Findings of Fact, Conclusions of Law, and Order Granting Defendant[-Appellee] Society of Lloyd's [(Lloyd's)] 1 The three underlying cases are case nos. 3CC191000143, 3CCV-20- 0000137, and 3CCV-XX-XXXXXXX. The plaintiff in case nos. 3CC191000143 and 3CCV-XX-XXX