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OIR Hurricane Helene Information


 
Hurricane Helene
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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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: $1,204,623,844

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

Data as of October 14, 2024

Lines of BusinessNumber of Claims ReportedNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims ClosedTotal Incurred Loss
Residential Property52,7252,80433,8065,63210,48330.6%$580,985,720
Homeowners41,7202,17725,9654,4719,10732.5%$456,058,563
Dwelling5,0171283,75029384622.7%$61,148,681
Mobile Homeowners5,4324993,58186049224.9%$58,118,268
Commercial Residential55605108388.3%$5,660,208
Commercial Property2,682332,3335725911.8%$43,201,422
Private Flood3,5502223,20872483.4%$35,928,039
Business Interruption223151318.2%$1,100,698
Commercial Auto1,20465996776611.9%.
Private Passenger53,0947,01535,0478,3592,67320.8%.
TOTALS117,04410,259

78,431

14,62113,73324.2%$1,204,623,844

*Other Lines of Business may include Fire, Farmowners’ Multi-Peril, Ocean Marine, Inland Marine, Aircraft, Glass, Boiler and Machinery, Industrial Fire, Industrial Extended Coverage, and Multi-Peril Crop.


Claims Data by County for Top 20 Counties

CountyNumber of Claims ReportedNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Pinellas43,3703,34831,4804,6253,91719.7%
Hillsborough15,3391,21210,2512,2361,64025.3%
Pasco8,7486516,1591,03590322.2%
Manatee6,8323635,33049464516.7%
Sarasota6,5155214,81760257518.1%
Charlotte

4,739

4263,40746544119.1%
Duval3,6051991,86984868942.6%
Lee2,6481651,90229628521.9%
Suwannee2,1612291,40240512524.5%
Alachua2,0622071,11339534736.0%
Hernando1,7471081,34815513616.7%
Taylor1,492981,1591577815.8%
Citrus1,448621,05114818723.1%
Columbia1,44112494024213526.2%
Madison1,3921211,0002046719.5%
Leon9458149622614238.9%
Orange
9122459615813432.0%
Marion8195448012116434.8%
Hamilton763715361263020.4%
Clay6733737212613839.2%
All Other Counties8,8746665,9251,39488925.7%
TOTALS119,4898,95083,44614,98112,11222.7%

Data as of October 11, 2024.