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OIR Hurricane Milton Information

 
Hurricane Milton
OIR is closely monitoring Hurricane Milton and its impacts to Florida's insurance industry. This page provides information regarding OIR's Hurricane Milton response and recovery efforts and additional resources for impacted policyholders and insurers.
Governor DeSantis declared a State of Emergency for 51 counties in Florida for Hurricane Milton. Executive Order 24-215 is available here. The Florida Division of Emergency Management's disaster information page for Hurricane Milton 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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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 24-215, and and pursuant to sections 252.63(1) and 627.4133(2)(d)1., Florida Statutes, the Florida Office of Insurance Regulation issued Emergency Order 400473-24 for Hurricane Milton.

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 Milton. Information regarding catastrophe claims data for Hurricane Milton 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 October 10, 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: $2,848,125,696 

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

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 Payment**Percent of Claims ClosedTotal Incurred Loss
Claims
 Closed without Payment
due to
Non-Covered
Flood Damage
Claims
 Closed without Payment
 -All Other Reasons
Claims
 Closed without Payment
due to Damage
 Below deductible
Residential Property198,338  8,066 155,444  12,882  21,946 17.6%$2,370,081,532 1,231 15,054 5,661  
Homeowners157,549 6,818  120,597  10,806  19,328  19.1%$1,868,000,000  952 13,462 4,914  
Dwelling18,388 342 15,932 546 1,568 11.5%$216,972,967 146 807 615 
Mobile Homeowners20,610 903 17,178 1,522 1,007 12.3%$261,523,549 132 747  128  
Commercial Residential1,791 3 1,737 8 43 2.8%$23,585,015 1 38 4 
Commercial Property8,579 79 7,785  109 606 8.3%$229,168,523  51 481   74  
Private Flood1,511 96  1,343  18 54 4.8%$16,205,099 10 43  1 
Business Interruption255 13 222 11 9  7.8%$6,150,849 0 9 0 
Commercial Auto
929 32 707 107  83  20.5%-5 67 11 
Private Passenger32,945 3,074 18,103  8,983 2,785 35.7%-509   2,059  217 
TOTALS247,432 
11,480 187,655 22,551 25,746  19.5%$2,889,418,986  1,812 17,952 5,982 

Data as of October 25, 2024

*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.

** A closed claim without payment is a claim deemed not currently payable by the reporting insurer. The most common reasons for a closed claim without payment is not meeting the deductible, or being a claim for flood damage which is not generally covered under a homeowner’s insurance policy. Other reasons include, but are not limited to, the consumer withdrawing the claim or the insured not being reachable to adjudicate the claim. The OIR audits and examines insurer claims payments following every catastrophe to ensure claims are properly handled in compliance with Florida law and the terms of the policy.

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 Payment **Percent of Claims Closed
Hillsborough503122922362045373581322.2%
Pinellas357791702287892400288814.8%
Manatee25826
1244206791854204915.1%
Sarasota18547656151141333144415.0%
Polk16620797122131756185421.7%
Pasco14019577108331062154718.6%
Volusia1178953889731015126319.3%
Lake98473637278822138422.4%
Orange87922816403786132224.0%
Lee7470328546984283122.4%
Charlotte6066336464051757318.0%
Saint Lucie4476162346645039818.9%
Osceola4420129341232755219.9%
Brevard3815130282641144822.5%
Hernando293275231520433818.5%
Seminole2791
118188633944828.2%
Indian River2630124198031221420.0%
Palm Beach2452165174138016622.3%
Sumter233696151231041831.2%
Flagler185555141114424521.0%
All Other Counties75342975473103173323.4%
TOTALS24743211480187655225512574619.5%

Data as of October 25, 2024

** A closed claim without payment is a claim deemed not currently payable by the reporting insurer. The most common reasons for a closed claim without payment is not meeting the deductible, or being a claim for flood damage which is not generally covered under a homeowner’s insurance policy. Other reasons include, but are not limited to, the consumer withdrawing the claim or the insured not being reachable to adjudicate the claim. The OIR audits and examines insurer claims payments following every catastrophe to ensure claims are properly handled in compliance with Florida law and the terms of the policy.