OIR Hurricane Nicole Information

Hurricane Nicole

OIR is closely monitoring Nicole's impacts to Florida's insurance industry. This page provides information regarding OIR's Hurricane Nicole recovery efforts and resources for impacted policyholders and insurers.

Governor DeSantis declared a State of Emergency for all 67 counties in Florida for Hurricane Nicole. Executive Order 22-256 is available here. The Florida Division of Emergency Management's disaster information page for Hurricane Nicole is available here.

State Assistance Information Line

The Florida State Assistance Information Line has been activated to provide an additional resource for Floridians. Residents and visitors can call this toll-free hotline at 1-800-342-3557.

In case of an emergency, please hang up and dial 911.

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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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 22-256, and pursuant to sections 252.63(1) and 627.4133(2)(d)1., Florida Statutes, the Florida Office of Insurance Regulation issued Emergency Order 302804-22 for Hurricane Nicole and Hurricane Ian.

This order amends and supersedes Emergency Order 300997-22.

A copy of the order is available here. Answers to frequently asked questions regarding the Emergency Order is available here.

OIR instituted a data call for the purpose of collecting catastrophe claims data related to Hurricane Nicole. OIR is requiring catastrophe claims reporting for Hurricane Nicole to assist with determining the impact of Hurricane Nicole on Florida's insurance industry. Recent claims reporting notices and other resources are available below:

2023 CRF FAQs

Data for Previous Storms

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 were required to begin submitting data on November 14, 2022, 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: $253,086,983

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
Residential Property	22,859	1,080	2,298	8,946	10,535	85.2%
Homeowners	19,252	930	2,040	7,215	9,067	84.6%
Dwelling	2,288	113	219	900	1,056	85.5%
Mobile Homeowners	1,224	35	25	794	370	95.1%
Commercial Residential	95	2	14	37	42	83.2%
Commercial Property	1,298	108	455	186	549	56.6%
Private Flood	67	14	3	29	21	74.6%
Business Interruption	9	0	1	7	1	88.9%
Other Lines of Business*	3,859	65	83	2,871	840	96.2%
TOTALS	28,092	1,267	2,840	12,039	11,946	85.4%

Data as of June 16, 2023

*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.

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
Volusia	4,168	137	548	1,823	1,660	83.6%
Brevard	3,797	169	349	1,761	1,518	86.4%
Orange	3,328	150	290	1,334	1,554	86.8%
Duval	1,450	51	108	641	650	89.0%
Seminole	1,009	34	102	418	455	86.5%
Palm Beach	997	70	172	333	422	75.7%
Osceola	942	61	99	430	352	83.0%
Hillsborough	919	29	91	329	470	86.9%
Lake	907	41	73	403	390	87.4%
Pinellas	890	27	68	349	446	89.3%
St. Lucie	883	79	114	367	323	78.1%
Polk	870	50	77	370	373	85.4%
Broward	659	39	122	207	291	75.6%
Flagler	603	32	67	275	229	83.6%
Marion	598	31	39	301	227	88.3%
Pasco	585	27	33	226	299	89.7%
St. Johns	552	27	54	237	234	85.3%
Indian River	489	22	64	229	174	82.4%
Lee	481	21	30	220	210	89.4%
Miami-Dade	423	31	57	133	202	79.2%
All Other Counties	3,542	139	283	1,653	1,467	88.0%
TOTALS	28,092	1,267	2,840	12,039	11,946	85.4%

Data as of June 16, 2023

Additional Resources

Division of Consumer Services

Insurance Consumer Advocate

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OIR Hurricane Ian Information Page

OIR Hurricane Nicole Information

Hurricane Nicole

OIR is closely monitoring Nicole's impacts to Florida's insurance industry. This page provides information regarding OIR's Hurricane Nicole recovery efforts and resources for impacted policyholders and insurers.

Governor DeSantis declared a State of Emergency for all 67 counties in Florida for Hurricane Nicole. Executive Order 22-256 is available here. The Florida Division of Emergency Management's disaster information page for Hurricane Nicole is available here.

State Assistance Information Line

Total Estimated Insured Losses: $253,086,983

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

Data as of June 16, 2023

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

Data as of June 16, 2023

Additional Resources