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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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:$3,043,195,061
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
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 Property
226,878
15,933
94,297
54,831
61,817
51.4%
2,281,201,412
3,813
33,857
24,147
Homeowners
178,446
12,589
71,583
40,933
53,341
52.8%
$1,724,118,437
3,285
29,665
20,391
Dwelling
22,468
1,120
11,257
4,644
5,447
44.9%
$219,035,874
252
2,327
2,868
Mobile Homeowners
23,443
2,189
9,280
9,131
2,843
51.1%
$285,918,569
266
1,761
816
Commercial Residential
2,521
35
2,177
123
186
12.3%
$52,128,532
10
104
72
Commercial Property
10,919
307
8,502
598
1,512
19.3%
$353,069,349
146
1,102
264
Private Flood
1,909
245
1,442
108
114
11.4%
$36,369,542
17
93
4
Business Interruption
379
36
258
60
25
22.4%
$13,886,963
3
22
0
Commercial Auto
1,181
89
551
371
170
45.8%
-
31
111
28
Private Passenger
37,196
5,223
10,077
17,565
4,331
58.9%
-
729
3,166
436
TOTALS
285,311
22,194
119,069
75,432
68,616
50.5%
$3,043,195,061
4,755
38,799
25,062
Data as of November 12, 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
County
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
Hillsborough
57452
5013
22781
15453
14205
51.6%
Pinellas
41080
3009
17815
10380
9876
49.3%
Manatee
29228
2698
12217
8652
5661
49.0%
Sarasota
21635
1652
10291
5518
4174
44.8%
Polk
19338
1460
7573
5684
4621
53.3%
Pasco
15946
1226
6688
3914
4118
50.4%
Volusia
13308
1057
5513
3353
3385
50.6%
Lake
11028
738
3993
2895
3402
57.1%
Orange
10405
520
4398
2132
3355
52.7%
Lee
8855
636
3819
2267
2133
49.7%
Charlotte
7083
626
3027
1751
1679
48.4%
Osceola
5268
268
2212
1272
1516
52.9%
Saint Lucie
5212
410
2246
1487
1069
49.0%
Brevard
4427
260
1759
1163
1245
54.4%
Hernando
3414
189
1538
787
900
49.4%
Seminole
3203
192
1189
756
1066
56.9%
Indian River
2957
254
1226
909
568
49.9%
Palm Beach
2835
371
1230
789
445
43.5%
Sumter
2644
236
731
830
847
63.4%
Flagler
2107
114
855
502
636
54.0%
All Other Counties
9566
595
4635
2590
1746
50.7%
TOTALS
285311
22194
119069
75432
68616
50.5%
Data as of November 12, 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.