text:  Good morning, this is Chad Blair and today's report from CivilBeat.org. A confluence of factors is driving the condo insurance increases. At the center are master hurricane insurance policies covering condominium structures and common areas. None of Hawaii's hurricane carriers has pulled out of the market. That's according to Hawaii Assurance Commissioner Gordon Ito. But he said that at least one insurer won't provide 100% coverage against losses, essentially coverage to pay for replacing an entire building.