Hurricane Michael Claims Data

The Florida Office of Insurance Regulation (OIR) captures data in its efforts to evaluate the catastrophe claims handling processes of insurers, identify claim payment trends, isolate reasons that claims remain open and document potential violations of Florida law by insurers.

OIR compels all insurers to report data as of each required reporting date, per section 624.307, Florida Statutes.

On multiple occasions, OIR has directed insurers with Hurricane Michael claims to not only comply with required provisions of Florida law, but to do everything possible to respond to the needs of affected Floridians and facilitate restoration and recovery in impacted communities. Please see OIR Informational Memorandum OIR-19-01M issued January 8, 2019, addressing policyholders impacted by Hurricane Michael, and Informational Memorandum OIR-19-04M issued July 25, 2019, addressing the Hurricane Michael claims response.

Since Hurricane Michael made landfall as a Category 5 hurricane on the Florida Panhandle on Wednesday, October 10, 2018, the OIR has conducted 46 distinct Hurricane Michael data calls. Reporting includes:

• Daily data calls beginning October 12, 2018 through November 9, 2018;
• Weekly data calls beginning November 16, 2018 through February 22, 2019;
• Bimonthly data calls from March 15, 2019 to April 26, 2019;
• Monthly calls from May 31, 2019 through October 26, 2019; and
• As requested by OIR, including the December 13, 2019, and November 2, 2020, data calls.

For the data call summary as of December 13, 2019, click here.

For the data call summary as of November 12, 2019, click here.

For the data call summary as of October 25, 2019, click here.

For Consumers

OIR encourages consumers who are having issues with a claim to report it. Click here to report an issue with a claim.

Data as of November 2, 2020

Lines of Business	Number of Claims Reported	Number of Open Claims with Payment	Number of Open Claims without Payment	Number of Claims Closed with Payment	Number of Claims Closed without Payment	Percent of Claims Closed
Residential Property	101,932	4,901	530	82,462	14,039	94.7%
Homeowners	75,162	3,945	372	60,299	10,546	94.3%
Dwelling	16,123	570	79	13,012	2,462	96.0%
Mobile Homeowners	9,161	239	29	8,243	650	97.1%
Commercial Residential	1,486	147	50	908	381	86.7%
Commercial Property	11,873	1,438	434	7,236	2,765	84.2%
Private Flood	598	7	2	426	163	98.5%
Business Interruption	918	71	36	575	236	88.3%
Other Lines of Business*	43,670	109	44	38,957	4,560	99.6%
TOTALS	158,991	6,526	1,046	129,656	21,763	95.2%

*Other Lines of Business may include Fire, Farmowners’ Multi-Peril, Ocean Marine, Inland Marine, Private Passenger Automobile Physical Damage, Commercial Auto Physical Damage, Aircraft, Glass, Boiler and Machinery, Industrial Fire, Industrial Extended Coverage, and Multi-Peril Crop.

Hurricane Michael Claims Status by Filing Deadline

Paid Losses by Line of Business

Paid losses include indemnity payments but excludes loss adjustment expenses.

Total Paid Losses: $8,510,860,259

(Paid Losses by Line of Business Chart)

Total Estimated Losses

The OIR required insurers report estimated and paid losses. Estimated or case incurred losses, include indemnity case reserves and payments to date.

Total Estimated Insured Losses: $9,132,526,254

Claims Data as of December 13, 2019, by County

County*	Number of Claims	Number of Open Claims with Payment	Number of Open Claims without Payment	Claims Closed with Payment	Number of Claims Closed without Payment	Percent of Claims Closed
BAY	95,184	4,795	522	80,037	9,830	94.4%
CALHOUN	4,429	102	31	3,993	303	97.0%
FRANKLIN	2,404	52	9	1,454	889	97.5%
GADSDEN	6,398	229	60	5,034	1,075	95.5%
GULF	7,810	358	20	6,227	1,205	95.2%
HOLMES	1,169	22	16	893	238	96.7%
JACKSON	14,834	526	57	12,964	1,287	96.1%
JEFFERSON	192	1	2	134	55	98.4%
LEON	10,569	128	91	7,353	2,997	97.9%
LIBERTY	1,220	14	1	1,092	113	98.8%
MADISON	51	1	0	36	14	98.0%
TAYLOR	70	0	0	52	18	100.0%
WAKULLA	1,444	13	5	1,011	415	98.8%
WASHINGTON	3,546	71	35	2,976	464	97.0%
REST OF THE STATE	9,671	214	197	6,400	2,860	95.8%
TOTAL	158,991	6,526	1,046	129,656	21,763	95.2%

*Hamilton and Suwannee counties have been removed due to claims of Trade Secret.

Total Number of Claims in Panhandle Region

There were 149,320* claims reported in the Panhandle region.

Bay County had the highest number of reported claims, with 95,184 claims accounting for almost 60% of all claims filed as a result of Hurricane Michael. There were 14,834 claims reported in Jackson County, 10,569 claims reported in Leon County, and 7,810 claims reported in Gulf County.

Total Claims Reported by Zip Code

For the November 2, 2020 data call, all reporting insurers provided zip code level data.

The numbers in the legend are an approximation of the claims and not the actual number of claims due to trade secret protections. Boundaries are presented by zip code.

Total Open Claims by Zip Code

Below represents the reported percent of open claims by zip code as compared to the total number of claims filed, for zip codes with greater than 100 total claims. Not all insurers reported data by zip code. Zip codes with no open claims are not represented in this chart.

Number of Open Claims by Category for All Lines of Business

The OIR requested insurers to provide a breakdown of open claims using the following categories. These categories may not be inclusive of all possible categories for open claims and claims may be represented in multiple categories.