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OIR Hurricane Idalia Information

Hurricane Idalia
OIR is closely monitoring Hurricane Idalia and its impacts to Florida's insurance industry. This page provides information regarding OIR's Idalia response and recovery efforts and additional resources for impacted policyholders and insurers.
Governor DeSantis declared a State of Emergency for 46 counties in Florida for hurricane Idalia. Executive Order 23-172 is available here. The Florida Division of Emergency Management's disaster information page for hurricane Idalia 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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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.

To protect the public health, safety and welfare of all Florida policyholders, OIR issued Emergency Order 315284-23-EO in response to Hurricane Idalia. The emergency order applies the following provisions:

  • Extends grace periods for any policy, provision, notice, correspondence, or law that imposes a time limit upon an insured to perform any act until October 31, 2023.
  • Prohibits the cancellation or nonrenewal of a policy in an impacted area, except at the written request of the policyholder until October 31, 2023.
  • Prohibits the cancellation or nonrenewal of a personal residential or commercial residential property insurance policy covering a property repaired as a result of damage from Hurricane Idalia for a period of 90 days after it has been repaired.
  • Directs insurers, surplus lines and other regulated entities to implement processes and procedures to facilitate the efficient payment of claims.

The emergency order applies to the following counties: Alachua, Baker, Bradford, Citrus, Columbia, Dixie, Franklin, Gilchrist, Hamilton, Hernando, Hillsborough, Jefferson, Lafayette, Leon, Levy, Madison, Manatee, Marion, Pasco, Pinellas, Sumter, Suwannee, Taylor, Union, and Wakulla. 

The emergency order applies to all insurers in the State of Florida, including surplus lines insurers and other regulated entities. A copy of the emergency order is available here.

On August 28, OIR issued an Informational Memorandum to all authorized residential property insurers to provide guidance on hurricane preparedness and response. Insurers were directed to review all aspects of their disaster preparedness and response plans to ensure they are in compliance with Florida law. 

Informational Memorandum OIR-23-05M is available here. Additional information regarding consumer protection legislation signed by Governor DeSantis to support Florida policyholders when disaster strikes is available here.  

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 1, 2023, 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: $309,530,946

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 PaymentPercent of Claims Closed
Residential Property17,0052,4041,4567,0756,07077.3%
Mobile Homeowners3,7106421572,34256978.5%
Commercial Residential124638493164.5%
Commercial Property1,25816252727329645.2%
Private Flood452125199893928.3%
Business Interruption19576136.8%
Other Lines of Business*6,3134987384,10097780.4%

Data as of November 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

CountyNumber of Claims ReportedNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
All Other Counties4,4663267311,6441,38867.9%

Data as of November 16, 2023