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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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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: $3,242,810,515

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 Property241,90918,58958,62683,12781,56768.1%$2,307,611,0205,41842,58433,565
Homeowners188,17414,64044,66159,82669,04768.5%$1,721,033,008  4,48536,84227,720
Dwelling24,5041,5857,2617,7977,86163.9%$221,575,9464113,1214,329
Mobile Homeowners26,5452,2684,84015,1454,29273.2%$290,496,0235042,4631,325
Commercial Residential2,686961,86435936727.0%$74,506,04418158191
Commercial Property11,7304788,2119262,11525.9%$477,339,7672281,399488
Private Flood1,8413341,19616914216.9%$49,017,514191194
Business Interruption434612271093733.6%$15,977,1833331
Commercial Auto
1,26810444849522156.5%-3112961
Private Passenger38,2914,4566,97021,9254,94070.2%-8003,639501
TOTALS302,58124,40479,009109,28889,88065.8%$3,242,810,5156,53248,48534,863

Data as of November 26, 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
Hillsborough60514532915122218861817766.2%
Pinellas4324029631056316051

13663

68.7%
Manatee307863157757512884717065.1%
Sarasota23047202266478641573762.4%
Polk20785157354437852591766.2%
Pasco17731137244016379557967.4%
Volusia14127113936364855449766.2%
Lake1147384826323841415269.7%
Orange1110159633072910428864.8%
Lee936467127153171280763.8%
Charlotte757060020532592232565.0%
Osceola565333116851742189564.3%
Saint Lucie552653414322138142264.4%
Brevard471430611751633160068.6%
Hernando36422479781187123066.4%
Seminole3396202870956136868.4%
Indian River3110291770130374665.9%
Palm Beach3013415905105763656.2%
Sumter277429952297497970.4%
Flagler223915054571383169.0%
All Other Counties991561035923346236757.6%
TOTALS30258124404790091092888988065.8%

Data as of November 26, 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.