The Florida Office of Insurance Regulation encourages consumers to review your insurance policies, understand your coverages, and protect your home from the threat of flooding before a storm.
The resources included below will help consumers prepare for severe weather. OIR encourages consumers to continue monitoring this page for important updates throughout the storm season.
Governor DeSantis has declared a State of Emergency for all 67 counties in Florida for Hurricane Ian. Executive Order 22-219 is available here.
In coordination with the Florida Department of Health, OIR has distributed a notice to all health insurers, managed care organizations, and other health entities, reminding them they must comply with with provisions of section 252.358, Florida Statutes, which allows for early prescription refills in the event the Governor issues an Executive Order declaring a State of Emergency. This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.
More information on early prescription refills is available here.
In preparing for hurricane season it is important to maintain an inventory of your home. A home inventory is a list of significant items within the room, broken down by room, with an estimate of the item’s current value. These types of inventories can make it easier for you to file an accurate, detailed insurance claim in case your home is damaged or destroyed in a disaster. As part of the home inventory, you should include photos and proof of ownership. Once you have completed your home inventory, you should check with your insurer to determine if you need additional coverage.
There are several options to assist you in completing your inventory: Inventory Checklist | NAIC Home Inventory App | iPhone® | Android®
OIR encourages consumers to make sure they are covered. Flooding is the nation's most common and costly natural disaster. Flood damages are not typically covered in a homeowners' insurance policy and flood coverage must be purchased separately or as an endorsement to their current policy. Even a small amount of water in a home can cost a very costly
The list below shows insurance companies in Florida that are eligible to write primary or excess flood insurance outside of the National Flood Insurance Program (NFIP) for personal lines and is based on information that was filed with the Office.
For information about coverage or to obtain a quote, the Office recommends contacting the insurance company directly to see what coverage is available or discussing various options with your insurance agent.
Primary Flood Writers
AIG Property Casualty Company - www.aig.com |
American Bankers Insurance Company of Florida - www.assurant.com |
American Home Assurance Company - www.aig.com |
American Integrity Insurance Company of Florida - www.aiicfl.com |
American National Property & Casualty Company - www.americannational.com |
American Southern Home Insurance Company - www.amig.com |
American Strategic Insurance Corporation - www.americanstrategic.com |
American Traditions Insurance Company - www.jergermga.com |
Anchor Property & Casualty Insurance Company - www.relyonanchor.com |
ASI Assurance Corporation - www.americanstrategic.com/ |
ASI Preferred Insurance Corporation - www.americanstrategic.com/ |
Berkley Insurance Company - www.berkleyone.com |
Centauri Specialty Insurance Company - www.centauriinsurance.com |
Cincinnati Indemnity Company - www.cinfin.com |
Cincinnati Insurance Company - www.cinfin.com |
Edison Insurance Company - www.edisoninsurance.com |
Family Security Insurance Company, Inc. - www.upcinsurance.com/family-security |
Federal Insurance Company - www.chubb.com |
Florida Peninsula Insurance Company - www.floridapeninsula.com |
Homeowners Choice Property & Casualty - www.hcpci.com |
Kin Interinsurance Network - www.kin.com |
National General Holdings Corporation - www.natgenpremier.com |
Omega Insurance Company - www.thig.com |
Prepared Insurance Company - www.preparedins.com/ |
Progressive Property Insurance Company - www.progressive.com |
Safe Harbor Insurance Company - www.safeharborflorida.com |
SafePoint Insurance Company - www.safepointins.com |
Security First Insurance Company - www.securityfirstflorida.com |
Southern Oak Insurance Company - www.southernoak.com |
Tower Hill Preferred Insurance Company - www.thig.com |
Tower Hill Prime Insurance Company - www.thig.com |
Tower Hill Select Insurance Company - www.thig.com |
Tower Hill Signature Insurance Company - www.thig.com |
Typ Tap Insurance - www.typtap.com |
Universal Insurance Company of North America - www.universalnorthamerica.com |
US Coastal Property & Insurance Company - www.uscoastal.com |
Zurich American Insurance Company - www.wrightflood.com/ |
Excess of NFIP Flood Writers
American Home Assurance Company - www.aig.com |
American Strategic Insurance Corp. - www.americanstrategic.com |
Bankers Insurance Company - www.bankersinsurance.com |
Federal Insurance Company - www.chubb.com |
Privilege Underwriters Reciprocal Exchange - www.pureinsurance.com |
Wright National Flood Insurance Company - www.wrightflood.com |
Surplus Lines Flood Writers (Primary Only)*:
Lloyds Underwriters - (c/o The Flood Insurance Agency in Gainesville, FL - www.thefloodinsuranceagency.com |
Voyager Indemnity Insurance Company - www.assurantfloodsolutions.com/ |
*Surplus lines insurance companies do not file rates and forms with the Office; however, the Office is aware that these companies are actively writing primary flood insurance in Florida.
Be sure to gather your important documents such as your insurance policies, identification cards, and keep them in a secure location should you need to evacuate quickly.