Construction has been a continuous activity since the 1982 origin of the Association. Owner’s have an 18-month period to complete their home. Once built there are many ongoing service providers; Pool Cleaners, Landscapers, Handymen, etc. needed. Owners contractors are entitled to a pass of up to six months if they register with the Management Office by filling out a form, showing their Driver’s License and signing for their pass. There are rules that must be followed:


      1. All work must stop and clean up must be completed no later than 5:30 p.m. and construction crews and equipment must vacate by 6:00 p.m.
      2. Monday through Friday: 7:00 a.m. to 5:30 p.m.
      3. Saturday: 9:00 a.m. to 5:30 p.m.
      4. No construction on the following holidays:
        1. New Years’ Day
        2. Presidents’ Day
        3. Memorial Day
        4. King Kamehameha I Day
        5. Independence Day
        6. Labor Day
        7. Columbus Day
        8. Veterans’ Day
        9. Thanksgiving Day
        10. Christmas Day
    2. PASSES
      1. Access is approved subject to the consent and agreement of the General Manager. All security and safety measures as prescribed by the General Manager must be observed. Access may be revoked if not in compliance.
      2. A contractor pass (“Contractor Pass”) is issued by the Management Office located at 669 Puuikena Drive. It is strongly recommended that all contractor vehicles display a current Contractor Pass which shall be valid for no more than six (6) months.
      1. Deliveries of cement, tile, lumber or any such type of construction materials will not be permitted after 4:30 p.m. Monday through Saturday. Any spills must be cleaned IMMEDIATELY.
      1. Contractors and construction personnel are allowed access onto Hawaii Loa Ridge in order to get to and from their specific job site only.
      2. Use of any of the facilities, including the Ridge Club and park areas, for any purpose, including lunches and breaks, is strictly prohibited.
      1. No speeding.
      2. Vehicles must be parked at roadside.
      3. Vehicles shall not block, restrict or impede the continuous flow of traffic.
      4. Vehicles must be removed from Hawaii Loa Ridge every night.
      1. All construction material and equipment must be stored within the property lines of the lot. Roads and sidewalks must be kept clear at all times.
      2. Heavy equipment must be kept off curbs and sidewalks.
      3. Cement mixers must be operated within the property lines.
      4. Portable toilets are required and must be stored within the property lines.
      1. All debris must be removed at least once a week.
      2. Debris shall not be discarded or be allowed to be blown, drift, roll, or flow from any lot or out of any vehicle.
      3. Mixing of concrete shall not result in any spillage onto streets, curbs, gutters or sidewalks.
      4. Runoff, slurry, water or any other viscous or liquid waste or residue must not be drained or allowed to flow into streets, gutters, drains, sidewalks or other property.
      5. Vehicles shall not track mud onto streets or sidewalks.
    8. DUST
      1. Dust and dirt shall not be allowed to drift or be blown from any lot or vehicles. Dust screens and/or ground covers are REQUIRED and must be in place and in good condition at all times on any lot where topsoil is exposed.
      2. Exposed topsoil shall be watered down regularly and all other appropriate measures such as covering open dirt shall be employed to prevent airborne dust and dirt.
      3. All dust violations will be subject to the jurisdiction of the Air Quality Branch of the State Department of Health as well as Association.
      1. When ground cover is cleared from a lot or when excavation or grading work commences, adequate protection must be maintained to prevent damage or injury due to flooding, shifting of dirt or rocks, etc.
      2. Silt runoff onto sidewalks or streets and into storm drains is prohibited.
      1. Use of an adjacent or any other lot for access, storage, disposal or any other purpose is prohibited without prior written consent of the owner of the other lot. A copy of the written consent must be given to the Management Office prior to entry upon or use of the other lot.
    11. NOISE
      1. All noise made by construction vehicles and equipment must comply with regulations of the State of Hawaii Department of Health, Title 11 Administrative Rules, Chapter 43, Community Noise Control for Oahu.
      2. At no time shall any noise be greater than reasonably necessary.
      3. No amplified music shall be played.
    1. Certificates of insurance for a contractor with the following coverage’s must be filed in the Management Office by the start of any work the general contractor will be responsible for maintaining insurance certificates for all subcontractors and they shall be available to HLROA Management upon request.
    2. Contractors and Subcontractors Insurance Requirements

Prior to the commencement of any work, contractor (or for owner, if the owner is an and all sub-contractors, at its own expense, shall procure, carry and maintain insurance from an insurance company or companies lawfully authorized to do business in the State of Hawaii and acceptable to the owner as will protect against claims for bodily injury or death and property damage which may arise out of operations and completed operations under this agreement whether such operations be by the owner, architect, project manager, contractor (or for owner, if the owner is an owner/builder) and all sub-contractors or by anyone directly or indirectly employed by any of them, or by anyone for whose acts any of them may be liable. Such insurance shall include but not be limited to, the minimum coverage or limits of liability specified hereunder or required by law.

    1. Coverage and Limits of Liability

The contractor and all sub-contractors shall maintain in force and effect during the period of the agreement the following insurance coverage written by carriers with at least an A- VII financial rating according to the current edition of Best’s Key Rating Guide with minimum limits of liability as follows:

Commercial General Liability

General Aggregate $2,000,000

Products and Completed Operations Aggregate $2,000,000

Personal and Advertising Injury $1,000,000

Each Occurrence $1,000,000

Damage to Premise rented to insured $100,000

Medical Expense Limit $5,000

The Commercial General Liability insurance required shall include without limitation at least

coverage for bodily injury and property damage, premises and operations, contractual liability, independent contractors, products and completed operations including explosion, collapse and underground hazards and construction defects if applicable, personal and advertising injury, damage to premises rented to the insured and medical expense. The commercial general liability shall be written on an occurrence basis and the coverage shall provide for defense expense in addition to the limits of liability. The general liability policy shall be endorsed to provide primary and non-contributory coverage to the owner and any additional insured’s and to provide coverage on a per project general aggregate basis. The additional insured endorsements shall be on form CG 2010 10 04 and CG 2037 10 04 or their equivalent. The policy shall contain a waiver of subrogation in favor of the additional insureds. Policy shall also be endorsed to include the revised definition of occurrence.

Business Automobile Liability

Bodily Injury Each Person $1,000,000

Bodily Injury Each Accident $1,000,000

Property Damage Each Accident $1,000,000


Combined Single Limit of Liability $1,000,000

The business auto policy shall include coverage for all owned, leased, hired and non-owned


Workers’ Compensation Statutory

Employers Liability

Bodily Injury by Accident $1,000,000 Each Accident

Bodily Injury by Disease $1,000,000 Policy Limit

Bodily Injury by Disease $1,000,000 Each Employee

The workers’ compensation shall be endorsed to provide a waiver of subrogation in favor of the additional insureds.

Umbrella Liability $1,000,000 Each Occurrence

$1,000,000 Aggregate

The umbrella liability shall be at least following form excess over the commercial general

liability, business auto liability and employer’s liability. The coverage shall be written on an

occurrence basis and with a self-insured retention no greater than $10,000.00. The policy shall provide defense in addition to the limits of liability.

Professional Liability

The Contractor shall carry a professional liability policy. Design or design/build work includes, without limitation, work with respect to mechanical, electrical, plumbing, and structural or sprinkler systems. The limit of Liability shall be at least $2,000,000 aggregate / $1 million per occurrence unless otherwise agreed to in writing by the BOD.

Certificates of Insurance

Additional Insured’s

The Hawaii Loa Ridge Owners Association, managing agent, the board of directors, and their respective officers, employees, now existing or that may hereafter exist shall be named as additional insured’s as respects to the commercial general liability policy and assume and provide for the HLROA limits and coverages as specified herein.

Certificates of Insurance acceptable to HLROA as satisfactory evidence of the insurance required by this agreement, shall be furnished by the owner, architect, project manager, contractor and all subcontractors prior to the commencement of any work hereunder and thereafter upon renewal or replacement of each required policy of insurance. The contractor shall upon request of HLR provide copies of the policies and or the required endorsements to HLROA. The General Contractor shall file their insurance and is responsible for maintaining all sub-contractors’ certificates of insurance. ______________ Initial here

The insurance requirements in regards to types or limits or acceptance of certificates of

insurance by HLROA shall in no way limit or relieve the contractor or subcontractors of its

Responsibilities under this agreement or at law including, without limitation, contractors and subcontractors’ indemnification obligations and liability in excess of the limits of the coverage required. HLROA makes no representation that the minimum limits of liability specified under the terms of this agreement are adequate to protect HLROA, architect, project manager, contractor or subcontractors against their undertaking of this contract. In the event contractor or subcontractors believe that the insurance coverage called for under this agreement is insufficient, contractor or subcontractors shall provide at its own expense such additional insurance as the contractor or subcontractors deem adequate and necessary. In the event contractor or subcontractors maintains higher limits or liability contractor’ s and all subcontractors liability and obligation to defend, indemnify and hold harmless owner and additional insureds shall not be limited to the minimum limits of liability required to be carried by the contractor or subcontractors as outlined above.