With the hotel claim, there loss is the damage to the building/window. Depending on the severity and

The 23-year-old teacher was reassured by hotel staff that the hotel's insurance would cover the damage, however the hotel's insurance brokers has since discovered that the accident is considered an act of God, and no damages need to be paid.
"This occurred due to a storm event, our client has not been negligent in any way nor have they done anything to cause the damage, unfortunately this has occurred in extremely high winds that are beyond our client's control. Unfortunately this is classified as 'an act of God for which our client is not responsible for."
Being agnostic, I hate hearing the term Acts of God ever being used and I thought that excuse was limited to old Marine policies. If I was the Broker, I would have definitely have taken the insurer to task on this.
My  first response to this issue is that most policies of insurance contain a condition that the Insured is not to admit liability. Most laymen vacation packages to maui do not know all the intricacies of the law and may for a range of reasons say that their insurer will meet a claim when in fact there is no legal liability. When someone does admit liability when they should not have it can create vacation packages to maui just the sort of messy situation that has arisen here. This is something the broker ought to educate their clients on so that a) their brand is not damaged by such poor publicity that this is creating and b) that it does not provide the insurer a genuine reason to avoid the claim.
The hotel would only be able to claim under their public liability vacation packages to maui policy and they would have to be found legally liable for the damage. For the hotel to be found legally liable the car third party owner of the vehicle would need to show that the window was dangerous and that the hotel knew or ought to have known of the danger and that they did nothing about it. If it was simply a big severe gust of wind that blew out the window then the hotel is an innocent party to this as is the owner of the car.
Anyone with any valuable asset needs to consider taking out property insurance on that asset. In the case of a motor vehicle it is motor insurance. If the car was insured under a comprehensive policy this loss would certainly be covered.
Without seeing the condition of the window and or knowing the strength of the wind at the time, I am not in a position to give an opinion on whether the insurer is correct in their decision. At the end of the day the case will be decided on the facts. There is also the question as to whether there were any disclaimers that the hotel can rely upon. I am not sure if it was a paid car park or a free one and if there were any conditions of parking which may offer some protection to the hotel. Finally we do not know if an policy exclusion due to faulty workmanship, design, or materials applies.
With the hotel claim, there loss is the damage to the building/window. Depending on the severity and relevance of any faulty design, faulty workmanship, faulty materials exclusion, in the property section of the policy, then I would expect the claim to be met as a storm loss.