OIR is closely monitoring Hurricane Helene and its impacts to Florida's insurance industry. This page provides information regarding OIR's Hurricane Helene response and recovery efforts and additional resources for impacted policyholders and insurers.
Governor DeSantis declared a State of Emergency for 41 counties in Florida for Hurricane Helene. Executive Order 24-209 is available here. The Florida Division of Emergency Management's disaster information page for Hurricane Helene 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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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.
Following Governor DeSantis' Emergency Order 24-209, and pursuant to sections 252.63(1) and 627.4133(2)(d)1., Florida Statutes, the Florida Office of Insurance Regulation issued Emergency Order 400385-24 for Hurricane Helene.
On September 24, OIR issued an Notice to Industry to all
authorized residential property insurers to provide guidance on hurricane
preparedness and claims handling. Insurers were directed to review all aspects of
their disaster preparedness and response plans to ensure they are in compliance
with Florida law.
The Notice to Industry is available here. Additional information regarding
consumer protection legislation signed by Governor DeSantis to support Florida
policyholders when disaster strikes is available here.
OIR instituted a data call for the purpose of collecting catastrophe claims data related to Hurricane Helene. Information regarding catastrophe claims data for Hurricane Helene will be made available on this page. Recent claims reporting notices and other resources are available below:
OIR captures data in its efforts to evaluate catastrophe claims and compels all insurers to report data as of each required reporting date, per section 624.307, Florida Statutes. This aggregate information is compiled from claims data filed by insurers. It has not been audited or independently verified. Companies will be required to begin submitting data on September 27, 2024, and the data covers all claims based on filings received by OIR to date. Additional data calls may be conducted. Data for previous storms is available on the Catastrophe Claims Data and Reporting page here.
OIR encourages consumers who are having issues with a claim to report it. Click here to report an issue with a claim.
Total Estimated Insured Losses: $1,164,168,987
OIR required insurers report estimated and paid losses. Estimated or case incurred losses include indemnity case reserves and payments to date.
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
Total Incurred Loss
Residential Property
51,188
2,360
36,300
4,288
8,240
24.5%
$595,119,306
Homeowners
40,442
1,851
27,808
3,553
7,230
26.7%
$468,720,061
Dwelling
4,852
83
3,976
161
632
16.3%
$63,307,165
Mobile Homeowners
5,301
426
3,952
568
355
17.4%
$57,570,527
Commercial Residential
593
0
564
6
23
4.9%
$5,521,553
Commercial Property
2,422
34
2,125
43
220
10.9%
$33,091,537
Private Flood
3,523
156
3,280
44
43
2.5%
$32,462,192
Business Interruption
41
3
32
3
3
14.6%
$1,056,539
Commercial Auto
1,169
56
986
63
64
10.9%
.
Private Passenger
52,655
5,392
35,746
9,031
2,486
21.9%
.
TOTALS
114,367
8,100
81,264
13,790
11,213
21.9%
$1,164,168,987
Data as of October 10, 2024.
*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.
