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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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 instituted a data call for the purpose of collecting catastrophe claims data related to Hurricane Idalia. Information regarding catastrophe claims data for Hurricane Idalia will be made available on this page. Recent claims reporting notices and other resources are available below:
- Notice to Industry: Hurricane Idalia Data Due September 14 (September 13, 2023)
- Notice to Industry: Hurricane Idalia Data Due September 7 (September 6, 2023)
- Notice to Industry: Hurricane Idalia Data Due September 1 (August 31, 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 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: $202,304,853
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 14,529 1,752 5,742 3,595 3,440 48.4% Homeowners 9,807 1,093 3,678 2,239 2,797 51.4% Dwelling 1,340 118 667 231 324 41.4% Mobile Homeowners 3,303 539 1,325 1,121 318 43.6% Commercial Residential 79 2 72 4 1 6.3% Commercial Property 839 45 586 103 105 24.8% Private Flood 261 34 193 20 14 13.0% Business Interruption 13 1 8 3 1 30.8% Other Lines of Business* 5,334 741 2,195 1,890 508 45.0% TOTALS 20,976 2,573 8,724 5,611 4,068 46.1%
Data as of September 21, 2023
Next Reporting Deadline: September 25, 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.
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 instituted a data call for the purpose of collecting catastrophe claims data related to Hurricane Idalia. Information regarding catastrophe claims data for Hurricane Idalia will be made available on this page. Recent claims reporting notices and other resources are available below:
- Notice to Industry: Hurricane Idalia Data Due September 14 (September 13, 2023)
- Notice to Industry: Hurricane Idalia Data Due September 7 (September 6, 2023)
- Notice to Industry: Hurricane Idalia Data Due September 1 (August 31, 2023)
- 2023 CRF Template
- 2023 CRF Notice of Changes
- 2023 CRF FAQs
- Data for Previous Storms
Total Estimated Insured Losses: $202,304,853
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 | 14,529 | 1,752 | 5,742 | 3,595 | 3,440 | 48.4% |
| Homeowners | 9,807 | 1,093 | 3,678 | 2,239 | 2,797 | 51.4% |
| Dwelling | 1,340 | 118 | 667 | 231 | 324 | 41.4% |
| Mobile Homeowners | 3,303 | 539 | 1,325 | 1,121 | 318 | 43.6% |
| Commercial Residential | 79 | 2 | 72 | 4 | 1 | 6.3% |
| Commercial Property | 839 | 45 | 586 | 103 | 105 | 24.8% |
| Private Flood | 261 | 34 | 193 | 20 | 14 | 13.0% |
| Business Interruption | 13 | 1 | 8 | 3 | 1 | 30.8% |
| Other Lines of Business* | 5,334 | 741 | 2,195 | 1,890 | 508 | 45.0% |
| TOTALS | 20,976 | 2,573 | 8,724 | 5,611 | 4,068 | 46.1% |
Data as of September 21, 2023
Next Reporting Deadline: September 25, 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.