OIR Hurricane Ian Information

Hurricane Ian

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

Governor DeSantis declared a State of Emergency for all 67 counties in Florida for Hurricane Ian. Executive Order 22-219 is available here. The Florida Division of Emergency Management's disaster information page for Hurricane Ian is available here.

FEMA has activated Individual Assistance for Floridians who need recovery aid. If you need assistance, visit DisasterAssistance.gov or call 1-800-621-3362.

State Assistance Information Line

The Florida State Assistance Information Line has been activated to provide an additional resource for Floridians to receive up-to-date information regarding Hurricane Ian. 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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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 Ian and Hurricane Nicole.

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 Ian. OIR is requiring catastrophe claims reporting for Hurricane Ian to assist with determining the impact of Hurricane Ian on Florida's insurance industry. Recent claims reporting notices and other resources are available below:

Notice to Industry: Hurricane Ian Catastrophe Claims Reporting (April 4, 2024)
Notice to Industry: Hurricane Ian Catastrophe Claims Reporting (September 20, 2023)
Notice to Industry: Hurricane Ian Catastrophe Claims Reporting (June 5, 2023)
2023 CRF Template
2023 CRF Notice of Changes
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 September 30, 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: $21,386,266,489

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	558,299	24,180	13,369	362,626	158,124	93.3%
Homeowners	454,072	20,259	11,463	286,786	135,564	93.0%
Dwelling	57,451	2,950	1,672	37,912	14,917	92.0%
Mobile Homeowners	42,861	491	87	35,839	6,444	98.7%
Commercial Residential	3,915	480	147	2,089	1,199	84.0%
Commercial Property	33,010	4,508	4,383	11,363	12,756	73.1%
Private Flood	5,645	378	85	3,705	1,477	91.8%
Business Interruption	582	25	21	411	125	92.1%
Other Lines of Business*	179,405	1,097	998	151,764	25,546	98.8%
TOTALS	776,941	30,188	18,856	529,869	198,028	93.7%

Data as of April 22, 2024

*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
Lee	272,299	12,767	4,910	200,612	54,010	93.5%
Charlotte	104,755	6,079	1,150	83,829	13,697	93.1%
Sarasota	78,537	2,801	1,320	53,967	20,449	94.8%
Collier	46,767	925	1,007	30,071	14,764	95.9%
Volusia	41,552	995	749	25,485	14,323	95.8%
Orange	35,290	1,109	1,273	18,465	14,443	93.3%
Polk	27,835	687	791	17,770	8,587	94.7%
Hillsborough	17,704	492	718	9,178	7,316	93.2%
Manatee	13,977	338	343	8,050	5,246	95.1%
Osceola	12,472	498	527	6,662	4,785	91.8%
Seminole	11,793	243	314	6,005	5,231	95.3%
Broward	6,917	420	1,227	3,096	2,174	76.2%
Miami-Dade	6,811	443	1,415	2,781	2,172	72.7%
Highlands	6,766	140	167	4,703	1,756	95.5%
DeSoto	6,397	226	56	5,150	965	95.6%
Brevard	5,796	110	185	3,215	2,286	94.9%
Palm Beach	5,157	281	683	2,549	1,644	81.3%
Pinellas	4,907	118	148	2,356	2,285	94.6%
Lake	4,834	101	158	2,641	1,934	94.6%
St. Lucie	3,160	113	236	1,859	952	89.0%
All Other Counties	63,215	1,302	1,479	41,425	19,009	95.6%
TOTALS	776,941	30,188	18,856	529,869	198,028	93.7%

Data as of April 22, 2024

Additional Resources

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Insurance Consumer Advocate

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OIR Hurricane Ian Information

Hurricane Ian

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

Governor DeSantis declared a State of Emergency for all 67 counties in Florida for Hurricane Ian. Executive Order 22-219 is available here. The Florida Division of Emergency Management's disaster information page for Hurricane Ian is available here.

FEMA has activated Individual Assistance for Floridians who need recovery aid. If you need assistance, visit DisasterAssistance.gov or call 1-800-621-3362.

State Assistance Information Line

Total Estimated Insured Losses: $21,386,266,489

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 April 22, 2024

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 April 22, 2024

Additional Resources