Catastrophe Claims Data and Reporting

Overview

In the event of a hurricane or other natural disaster causing catastrophic damage in the State of Florida, it will likely become necessary for the Florida Office of Insurance Regulation (Office) to institute a data call for the purposes of collecting claims and other relevant information from insurance companies. This authority is mandated pursuant to Section 624.307, Florida Statutes.

Insurance companies will be notified when to begin reporting county and statewide information related to the event and how to submit it using the current year's Catastrophe Reporting Form. General company, contact and statewide modeling information along with claims data addressing the following lines of business will be collected: homeowners, dwelling, mobile homeowners, commercial residential, commercial, private flood, business interruption, and other. Companies upload the requested information via the Insurance Regulation Filing System (IRFS) at specified time intervals as determined by OIR.

OIR may use the aggregated data in summary reports and other materials in order to provide the general public with information concerning the impact of a catastrophic event on Florida’s insurance industry.

Catastrophe Reporting Resources

Hurricane Milton Information Page

Hurricane Helene Information Page

Form CRF-24: Catastrophe Reporting Form 2024

2024 CRF Frequently Asked Questions

For questions regarding Catastrophe Reporting forms, please email disasterreporting@floir.com.

Form CRF-23: Catastrophe Reporting Form 2023
2023 CRF Frequently Asked Questions
Form CRF-22A: Catastrophe Reporting Form 2022
2022 CRF Frequently Asked Questions
Form CRF-20A: Catastrophe Reporting Form 2020
Form CRF-19A: Catastrophe Reporting Form 2019 version 2
Form CRF-19: Catastrophe Reporting Form 2019
Survey Notice: Hurricane Michael Claims Survey
Form CRF-18: Catastrophe Reporting Form 2018
Form CRF-17: Catastrophe Reporting Form 2017

Catastrophe Claims Data

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 October 10, 2024 and the data covers all claims based on filings received by OIR to date. Additional data calls may be conducted.

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: $2,851,302,197

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	Total 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 Property	206,643	9,877	146,449	19,694	30,623	24.3%	$2,350,334,982	1,504	20,591	8,528
Homeowners	163,559	8,173	112,606	15,862	26,918	26.2%	$1,839,464,005	1,191	18,395	7,332
Dwelling	19,740	485	15,923	1,073	2,259	16.9%	$218,119,981	161	1,154	944
Mobile Homeowners	21,404	1,214	16,064	2,742	1,384	19.3%	$259,854,807	151	991	242
Commercial Residential	1,940	5	1,856	17	62	4.1%	$32,896,189	1	51	10
Commercial Property	9,106	103	8,047	173	783	10.5%	$204,691,229	78	586	119
Private Flood	1,391	134	1,180	22	55	5.5%	$27,618,334	10	44	1
Business Interruption	283	21	232	18	12	10.6%	$6,352,168	0	12	0
Commercial Auto	999	43	709	146	101	24.7%	-	6	74	21
Private Passenger	34,172	3,777	16,559	10,685	3,151	40.5%	-	543	2,313	295
TOTALS	257,746	14,118	177,236	31,345	35,047	25.8%	$2,851,302,197	2,147	23,894	9,006

Data as of October 29, 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.

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 27, 2024, and the data covers all claims based on filings received by OIR to date. Additional data calls may be conducted.

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: $1,437,491,638

OIR required insurers report estimated and paid losses. Estimated or case incurred losses include indemnity case reserves and payments to date.

Data as of October 25, 2024

Lines of Business	Number of Claims Reported	Number of Open Claims with Payment	Number of Open Claims w/o Payment	Number of Claims Closed with Payment	Number of Claims Closed w/o Payment**	Percent of Claims Closed	Total Incurred Loss	Claims Closed without Payment due to Non-Covered Flood Damage	Claims without Payment -All Other Reasons	Claims Closed without Payment due to Damage Below deductible
Residential Property	57,415	3,641	24,246	10,460	19,068	51.4%	$529,324,867	4,065	10,031	4,972
Homeowners	45,381	2,768	18,688	7,662	16,263	52.7%	$410,114,650	3,699	8,461	4,103
Dwelling	5,527	202	2,894	692	1,739	44.0%	$54,503,410	283	827	629
Mobile Homeowners	5,899	668	2,148	2,088	995	52.3%	$59,854,779	81	697	217
Commercial Residential	608	3	516	18	71	14.6%	$4,852,028	2	46	23
Commercial Property	3,310	69	2,668	133	440	17.3%	$77,593,108	82	279	79
Private Flood	3,799	716	2,777	219	87	8.1%	$78,002,224	7	78	2
Business Interruption	64	3	49	8	4	18.8%	$1,259,571	0	2	2
Commercial Auto	1,392	158	901	240	93	23.9%	.	3	80	10
Private Passenger	56,709	15,496	20,384	17,398	3,431	36.7%	.	520	2,647	230
TOTALS	127,066	20,352	53,891	29,373	23,450	41.6%	$1,437,491,638	4,695	13,367	5,353

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 August 8, 2024, and the data covers all claims based on filings received by OIR to date. Additional data calls may be conducted.

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: $130,996,395

OIR required insurers to report estimated and paid losses. Estimated, or case incurred losses, include indemnity case reserves and payments to date.

Data as of September 27, 2024

Line of Business	Number of Claims	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	14,333	852	2,581	3,503	7,397	76.0%
Homeowners	11,632	647	2,083	2,679	6,223	76.5%
Dwelling	1,307	70	288	272	677	72.6%
Mobile Homeowners	1,292	131	137	543	481	79.3%
Commercial Residential	102	4	73	9	16	24.5%
Commercial Property	730	25	439	72	194	36.4%
Private Flood	209	55	67	53	34	41.6%
Business Interruption	5	3	2	0	0	0%
Other Lines of Business*	6,554	703	713	4,289	849	78.4%
TOTALS	21,831	1,638	3,802	7,917	8,474	75.1%

*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.

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 June 26, 2024, and the data covers all claims based on filings received by OIR to date. Additional data calls may be conducted.

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: $90,435,517

OIR required insurers to report estimated and paid losses. Estimated, or case incurred losses, include indemnity case reserves and payments to date.

Data as of July 17, 2024

Line of Business	Number of Claims	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	3,594	147	1,159	1,010	1,278	63.7%
Homeowners	3,119	133	949	964	1,073	65.3%
Dwelling	385	10	171	31	173	53.0%
Mobile Homeowners	47	4	11	15	17	68.1%
Commercial Residential	43	0	28	0	15	34.9%
Commercial Property	290	4	240	4	42	15.9%
Private Flood	82	11	55	7	9	19.5%
Business Interruption	1	0	1	0	0	0%
Other Lines of Business*	10,220	1,797	2,931	4,431	1,061	53.7%
TOTALS	14,187	1,959	4,386	5,452	2,390	55.3%

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.

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.

Data as of November 16, 2023

Lines of Business	Number of Claims	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	17,005	2,404	1,456	7,075	6,070	77.3%
Homeowners	11,586	1,561	1,066	4,134	4,825	77.3%
Dwelling	1,585	195	195	550	645	75.4%
Mobile Homeowners	3,710	642	157	2,342	569	78.5%
Commercial Residential	124	6	38	49	31	64.5%
Commercial Property	1,258	162	527	273	296	45.2%
Private Flood	452	125	199	89	39	28.3%
Business Interruption	19	5	7	6	1	36.8%
Other Lines of Business*	6,313	498	738	4,100	977	80.4%
TOTALS	25,047	3,194	2,927	11,543	7,383	75.6%

*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

Data as of November 16, 2023

County	Number of Claims	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
Suwannee	3,024	623	187	1,739	475	73.2%
Taylor	2,898	602	287	1,555	454	69.3%
Pinellas	1,975	135	176	788	876	84.3%
Madison	1,727	354	156	957	260	70.5%
Hillsborough	1,534	99	299	547	589	74.1%
Pasco	1,340	118	131	516	575	81.4%
Hamilton	962	170	70	593	129	75.1%
Citrus	921	94	113	322	392	77.5%
Columbia	832	118	64	451	199	78.1%
Duval	816	58	86	350	322	82.4%
Leon	615	52	52	258	253	83.1%
Lafayette	611	167	56	322	66	63.5%
Dixie	601	56	70	320	155	79.0%
Sarasota	514	21	86	185	222	79.2%
Charlotte	481	48	51	232	150	79.4%
Hernando	469	44	88	154	183	71.9%
Manatee	443	33	61	136	213	78.8%
Orange	411	21	63	134	193	79.6%
Lee	407	17	55	169	166	82.3%
Alachua	377	38	45	171	123	78.0%
All Other Counties	4,466	326	731	1,644	1,388	67.9%
TOTALS	25,047	3,194	2,927	11,543	7,383	75.6%

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.

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.

Data as of April 22, 2024

Lines of Business	Number of Claims	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%

Claims Data by County for Top 20 Counties

Data as of April 22, 2024

County	Number of Claims	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%

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.

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.

Data as of June 16, 2023

Lines of Business	Number of Claims	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%

Claims Data by County for Top 20 Counties

Data as of June 16, 2023

County	Number of Claims	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%

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 21, 2020, and the data covers all claims based on filings received by the Florida Office of Insurance Regulation as of October 26, 2020. Additional data calls may be conducted.

Total Estimated Insured Losses: $576,943,637

The OIR required insurers report estimated and paid losses. Estimated or case incurred losses, include indemnity case reserves and payments to date.

Data as of October 26, 2020

Lines of Business	Number of Claims	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	57,373	4,895	14,841	24,526	13,111	65.6%
Homeowners	47,147	4,103	11,370	20,434	11,240	67.2%
Dwelling	8,111	641	2,488	3,355	1,627	61.4%
Mobile Homeowners	1,380	125	369	692	194	64.2%
Commercial Residential	735	26	614	45	50	12.9%
Commercial Property	3,649	213	2,949	148	339	13.3%
Private Flood	207	27	152	21	7	13.5%
Business Interruption	50	10	15	16	9	50.0%
Other Lines of Business*	10,719	2,015	3,124	4,671	909	52.1%
TOTALS	71,998	7,160	21,081	29,382	14,375	60.8%

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 9, 2019 and the data covers all claims based on filings received by the Florida Office of Insurance Regulation as of October 4, 2019. Additional data calls may be conducted.

Total Estimated Insured Losses: $19,006,179

The OIR required insurers report estimated and paid losses. Estimated or case incurred losses, include indemnity case reserves and payments to date.

Data as of October 4, 2019

Lines of Business	Number of Claims	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	3,113	165	1,039	849	1,060	61.3%
Homeowners	2,615	138	853	739	885	62.1%
Dwelling	300	11	142	52	95	49.0%
Mobile Homeowners	192	16	40	57	79	70.8%
Commercial Residential	6	0	4	1	1	33.3%
Commercial Property	286	2	146	53	85	48.3%
Private Flood	4	0	1	3	0	75.0%
Business Interruption	23	0	7	0	16	69.6%
Other Lines of Business*	2,338	124	664	1,296	254	66.3%
TOTALS	5,764	291	1,857	2,201	1,415	62.7%

OIR captures data in its efforts to evaluate the catastrophe claims handling processes of insurers, identify claim payment trends, isolate reasons that claims remain open and document potential violations of Florida law by insurers. OIR compels all insurers to report data as of each required reporting date, per section 624.307, Florida Statutes.

On multiple occasions, OIR has directed insurers with Hurricane Michael claims to not only comply with required provisions of Florida law, but to do everything possible to respond to the needs of affected Floridians and facilitate restoration and recovery in impacted communities. Please see OIR Informational Memorandum OIR-19-01M issued January 8, 2019, addressing policyholders impacted by Hurricane Michael, and Informational Memorandum OIR-19-04M issued July 25, 2019, addressing the Hurricane Michael claims response.

Since Hurricane Michael made landfall as a Category 5 hurricane on the Florida Panhandle on Wednesday, October 10, 2018, the OIR has conducted 46 distinct Hurricane Michael data calls. Reporting includes:

Daily data calls beginning October 12, 2018 through November 9, 2018;
Weekly data calls beginning November 16, 2018 through February 22, 2019;
Bimonthly data calls from March 15, 2019 to April 26, 2019;
Monthly calls from May 31, 2019 through October 26, 2019; and
As requested by OIR, including the December 13, 2019, and November 2, 2020, data calls.

For the data call summary as of December 13, 2019, click here. For the data call summary as of November 12, 2019, click here.

Total Estimated Insured Losses: $9,132,526,254

The OIR required insurers report estimated and paid losses. Estimated or case incurred losses, include indemnity case reserves and payments to date.

Data as of November 2, 2020

Lines of Business	Number of Claims	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	101,932	4,901	530	82,462	14,039	94.7%
Homeowners	75,162	3,945	372	60,299	10,546	94.3%
Dwelling	16,123	570	79	13,012	2,462	96.0%
Mobile Homeowners	9,161	239	29	8,243	650	97.1%
Commercial Residential	1,486	147	50	908	381	86.7%
Commercial Property	11,873	1,438	434	7,236	2,765	84.2%
Private Flood	598	7	2	426	163	98.5%
Business Interruption	918	71	36	575	236	88.3%
Other Lines of Business*	43,670	109	44	38,957	4,560	99.6%
TOTALS	158,991	6,526	1,046	129,656	21,763	95.2%

Data as of December 13, 2019 by County

County*	Number of Claims	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
Bay	95,184	4,795	522	80,037	9,830	94.4%
Calhoun	4,429	102	31	3,993	303	97.0%
Franklin	2,404	52	9	1,454	889	97.5%
Gadsden	6,398	229	60	5,034	1,075	95.5%
Gulf	7,810	358	20	6,227	1,205	95.2%
Holmes	1,169	22	16	893	238	96.7%
Jackson	14,834	526	57	12,964	1,287	96.1%
Jefferson	192	1	2	134	55	98.4%
Leon	10,569	128	91	7,353	2,997	97.9%
Liberty	1,220	14	1	1,092	113	98.8%
Madison	51	1	0	36	14	98.0%
Taylor	70	0	0	52	18	100.0%
Wakulla	1,444	13	5	1,011	415	98.8%
Washington	3,546	71	35	2,976	464	97.0%
Rest of the State	9,671	214	197	6,400	2,860	95.8%
TOTAL	158,991	6,526	1,046	129,656	21,763	95.2%

*Hamilton and Suwannee counties have been removed due to claims of Trade Secret.

Hurricane Michael Claims Status by Filing Deadline

Paid Losses by Line of Business

Total Paid Losses: $8,510,860,259
Paid losses include indemnity payments but excludes loss adjustment expenses.

Total Number of Claims in Panhandle Region

There were 149,320 claims reported in the Panhandle region. Please note, the numbers in the legend are an approximation of the claims and not the actual number of claims due to trade secret protections. Boundaries are presented by zip code.

Bay County had the highest number of reported claims, with 95,184 claims accounting for almost 60% of all claims filed as a result of Hurricane Michael. There were 14,834 claims reported in Jackson County, 10,569 claims reported in Leon County, and 7,810 claims reported in Gulf County.

Total Claims Reported by Zip Code

For the November 2, 2020 data call, all reporting insurers provided zip code level data. Please note, the numbers in the legend are an approximation of the claims and not the actual number of claims due to trade secret protections. Boundaries are presented by zip code.

Total Open Claims by Zip Code

Below represents the reported percent of open claims by zip code as compared to the total number of claims filed, for zip codes with greater than 100 total claims. Not all insurers reported data by zip code. Zip codes with no open claims are not represented in this chart.

Number of Open Claims by Category for All Lines of Business

The OIR requested insurers to provide a breakdown of open claims using the following categories. These categories may not be inclusive of all possible categories for open claims and claims may be represented in multiple categories.

OIR captures data in its efforts to evaluate the catastrophe claims handling processes of insurers, identify claim payment trends, isolate reasons that claims remain open and document potential violations of Florida law by insurers. The reporting of claims for Hurricane Irma is cumulative and the information displayed below represents a snapshot of claims data as reported by insurers. OIR compels all insurers to report data as of each required reporting date, per section 624.307, Florida Statutes. This data is as of November 9, 2020.

Total Estimated Insured Losses: $20,674,792,954

Lines of Business	Number of Claims	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	955,852	17,164	25,900	619,652	293,136	95.5%
Homeowners	774,327	14,347	22,139	494,754	243,087	95.3%
Dwelling	121,940	2,185	2,971	80,986	35,798	95.8%
Mobile Homeowners	48,572	149	43	38,683	9,697	99.6%
Commercial Residential	11,013	483	747	5,229	4,554	88.8%
Commercial Property	62,949	1,989	1,655	28,572	30,733	94.2%
Private Flood	1,799	7	4	1,086	702	99.4%
Business Interruption	3,827	23	10	2,074	1,720	99.1%
Other Lines of Business	101,161	125	219	78,402	22,415	99.7%
TOTALS	1,125,588	19,308	27,788	729,786	348,706	95.8%

County	Number of Claims	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 Claims Closed
Alachua	4,412	13	17	2,468	1,914	99.3%
Baker	614	1	1	430	182	99.7%
Bay	511	38	6	324	143	91.4%
Bradford	899	0	0	554	345	100.0%
Brevard	50,018	490	230	35,983	13,315	98.6%
Broward	103,023	2,815	5,775	60,902	33,531	91.7%
Charlotte	9,714	70	212	5,561	3,871	97.1%
Citrus	2,650	3	7	1,414	1,226	99.6%
Clay	9,411	40	22	5,969	3,830	99.3%
Collier	112,957	2,051	2,046	85,348	23,512	96.4%
Columbia	1,071	1	1	691	378	99.8%
DeSoto	1,749	8	3	1,144	594	99.4%
Dixie	250	0	0	172	78	100.0%
Duval	37,905	213	113	23,503	14,076	99.1%
Escambia	439	1	0	303	135	99.8%
Flagler	7,206	89	34	4,569	2,514	98.3%
Franklin	44	1	0	14	29	97.7%
Gadsden	257	2	0	146	109	99.2%
Gilchrist	211	0	0	149	62	100.0%
Glades	3,096	9	0	2,721	366	99.7%
Gulf	34	5	0	17	12	85.3%
Hamilton	235	0	0	175	60	100.0%
Hardee	2,199	15	11	1,568	605	98.8%
Hendry	3,795	33	18	2,921	823	98.7%
Hernando	2,949	15	14	1,535	1,385	99.0%
Highlands	17,478	74	33	13,035	4,336	99.4%
Hillsborough	21,485	220	291	11,154	9,820	97.6%
Holmes	68	0	0	44	24	100.0%
Indian River	6,405	48	37	4,107	2,213	98.7%
Jackson	199	5	0	110	84	97.5%
Jefferson	145	0	0	94	51	100.0%
Lafayette	103	0	0	79	24	100.0%
Lake	25,259	152	71	17,429	7,607	99.1%
Lee	102,319	1,856	4,051	67,046	29,366	94.2%
Leon	1,265	3	10	716	536	99.0%
Levy	575	0	3	392	180	99.5%
Madison	235	0	0	163	72	100.0%
Manatee	9,432	54	77	5,438	3,863	98.6%
Marion	10,373	50	33	5,989	4,301	99.2%
Martin	5,282	101	197	3,208	1,776	94.4%
Miami-Dade	152,201	5,978	8,510	92,470	45,243	90.5%
Monroe	26,643	402	108	16,699	9,434	98.1%
Nassau	4,200	9	6	2,816	1,369	99.6%
Okaloosa	266	0	2	137	127	99.2%
Okeechobee	2,450	14	2	1,861	573	99.3%
Orange	78,931	1,022	664	52,820	24,425	97.9%
Osceola	31,056	542	255	22,398	7,861	97.4%
Palm Beach	57,065	1,203	3,183	32,123	20,556	92.3%
Pasco	9,486	42	45	5,151	4,248	99.1%
Pinellas	26,354	143	116	14,642	11,453	99.0%
Polk	54,127	381	200	38,686	14,860	98.9%
Putnam	3,087	2	2	2,066	1,017	99.9%
St. Johns	11,022	38	33	6,987	3,964	99.4%
St. Lucie	15,070	283	365	9,412	5,010	95.7%
Santa Rosa	165	1	0	98	66	99.4%
Sarasota	12,388	67	228	6,230	5,863	97.6%
Seminole	27,035	276	245	17,165	9,349	98.1%
Sumter	4,467	10	9	2,623	1,825	99.6%
Suwannee	876	4	0	625	247	99.5%
Taylor	140	1	0	85	54	99.3%
Union	180	0	0	129	51	100.0%
Volusia	28,677	219	127	19,650	8,681	98.8%
Wakulla	107	1	0	68	38	99.1%
Walton	84	0	0	32	52	100.0%
Washington	38	4	0	21	13	89.5%
Unknown	23,201	190	375	17,207	5,429	97.6%
Statewide	1,125,588	19,308	27,788	729,786	348,706	95.8%

This information is compiled from claims data filed by each Insurer. It has not been audited or independently verified. This report covers all claims based on filings received as of Friday afternoon, March 3, 2017. A downloadable excel file with this data is available here. A list of companies reporting is available here. This data is final; no further requests for data have been issued.

Total Estimated Insured Losses: $139 Million

Lines of Business	Number of Claims	Closed Claims (Paid)	Closed Claims (Not Paid)	Number Claims Open	Percent Claims Closed
Homeowners	10,967	4,385	5,795	787	92.8%
Dwelling	1,724	805	819	100	94.2%
Mobile Homeowners	1,342	818	499	25	98.1%
Commercial Residential	61	12	32	17	72.1%
Residential Property	14,094	6,020	7,145	929	93.4%
Commercial Property	994	326	424	244	75.5%
Private Flood	195	133	46	16	91.8%
Federal Flood	1,164	854	243	67	94.2%
Flooding	1,359	987	289	83	93.9%
Business Interruption	56	30	20	6	89.3%
Other Lines of Business	3,196	2,501	562	133	95.8%
TOTALS	19,699	9,864	8,440	1,395	92.9%

County	Number of Claims	Closed Claims (Paid)	Closed Claims (Not Paid)	Number Claims Open	Percent Claims Closed
Alachua	516	285	208	23	95.5%
Baker	25	15	9	1	96.0%
Bay	58	34	20	4	93.1%
Bradford	19	11	8	0	100.0%
Brevard	147	65	64	18	87.8%
Broward	112	44	45	23	79.5%
Calhoun	3	1	1	1	66.7%
Charlotte	67	30	27	10	85.1%
Citrus	1,522	866	575	81	94.7%
Clay	194	112	75	7	96.4%
Collier	41	15	17	9	78.0%
Columbia	159	108	49	2	98.7%
DeSoto	12	3	8	1	91.7%
Dixie	145	76	54	15	89.7%
Duval	993	437	461	95	90.4%
Escambia	31	17	10	4	87.1%
Flagler	36	11	22	3	91.7%
Franklin	124	45	68	11	91.1%
Gadsden	152	88	62	2	98.7%
Gilchrist	29	18	11	0	100.0%
Glades	0	0	0	0	N/A
Gulf	7	2	5	0	100.0%
Hamilton	82	50	31	1	98.8%
Hardee	13	8	5	0	100.0%
Hendry	1	0	0	1	0.0%
Hernando	513	265	223	25	95.1%
Highlands	24	12	11	1	95.8%
Hillsborough	1,486	675	706	105	92.9%
Holmes	2	0	1	1	50.0%
Indian River	20	6	11	3	85.0%
Jackson	18	11	6	1	94.4%
Jefferson	78	41	35	2	97.4%
Lafayette	32	26	6	0	100.0%
Lake	227	122	96	9	96.0%
Lee	106	37	46	23	78.3%
Leon	3,782	2,077	1,475	230	93.9%
Levy	391	193	172	26	93.4%
Liberty	4	3	1	0	100.0%
Madison	197	104	82	11	94.4%
Manatee	663	373	239	51	92.3%
Marion	313	160	144	9	97.1%
Martin	20	11	8	1	95.0%
Miami-Dade	138	52	56	30	78.3%
Monroe	5	2	3	0	100.0%
Nassau	73	43	27	3	95.9%
Okaloosa	28	11	11	6	78.6%
Okeechobee	11	3	6	2	81.8%
Orange	526	220	274	32	93.9%
Osceola	120	44	62	14	88.3%
Palm Beach	102	37	46	19	81.4%
Pasco	1,484	621	773	90	93.9%
Pinellas	1,959	816	1,024	119	93.9%
Polk	353	177	157	19	94.6%
Putnam	48	24	18	6	87.5%
Santa Rosa	51	13	7	31	39.2%
Sarasota	364	158	160	46	87.4%
Seminole	150	56	79	15	90.0%
St. Johns	145	72	65	8	94.5%
St. Lucie	35	11	22	2	94.3%
Sumter	54	28	25	1	98.1%
Suwannee	197	142	50	5	97.5%
Taylor	440	244	174	22	95.0%
Union	14	10	4	0	100.0%
Volusia	124	52	66	6	95.2%
Wakulla	391	227	141	23	94.1%
Walton	8	2	5	1	87.5%
Washington	8	6	1	1	87.5%
Unknown	507	336	87	84	83.4%
Statewide	19,699	9,864	8,440	1,395	92.9%

Total Estimated Insured Losses: $1.182 Billion

Lines of Business	Number of Claims	Closed Claims (Paid)	Closed Claims (Not Paid)	Number Claims Open	Percent Claims Closed
Homeowners	82,957	43,838	33,322	5,797	93.0%
Dwelling	11,383	6,719	3,857	807	92.9%
Mobile Homeowners	6,599	4,917	1,461	221	96.7%
Commercial Residential	515	102	195	218	57.7%
Residential Property	101,454	55,576	38,835	7,043	93.1%
Commercial Property	6,698	1,295	2,480	2,923	56.4%
Private Flood	145	94	41	10	93.1%
Federal Flood	3,288	2,158	865	265	91.9%
Flooding	3,433	2,252	906	275	92.0%
Business Interruption	229	60	103	66	71.2%
Other Lines of Business	7,531	4,634	1,864	1,033	86.3%
TOTALS	119,345	63,817	44,188	11,340	90.5%

County	Number of Claims	Closed Claims (Paid)	Closed Claims (Not Paid)	Number Claims Open	Percent Claims Closed
Alachua	199	93	93	13	93.5%
Baker	49	31	15	3	93.9%
Bay	17	6	10	1	94.1%
Bradford	42	27	15	0	100.0%
Brevard	15,967	9,092	5,410	1,465	90.8%
Broward	1,046	348	531	167	84.0%
Calhoun	6	2	3	1	83.3%
Charlotte	36	17	18	1	97.2%
Citrus	41	22	18	1	97.6%
Clay	2,751	1,472	1,132	147	94.7%
Collier	41	18	17	6	85.4%
Columbia	44	23	19	2	95.5%
DeSoto	8	2	3	3	62.5%
Dixie	5	3	2	0	100.0%
Duval	19,090	9,610	7,893	1,587	91.7%
Escambia	21	11	3	7	66.7%
Flagler	7,939	4,309	2,937	693	91.3%
Franklin	5	2	2	1	80.0%
Gadsden	6	4	1	1	83.3%
Gilchrist	4	2	2	0	100.0%
Glades	6	3	3	0	100.0%
Gulf	3	0	1	2	33.3%
Hamilton	7	6	0	1	85.7%
Hardee	7	3	4	0	100.0%
Hendry	6	2	3	1	83.3%
Hernando	34	11	22	1	97.1%
Highlands	51	24	25	2	96.1%
Hillsborough	256	95	125	36	85.9%
Holmes	1	0	0	1	0.0%
Indian River	2,180	1,051	878	251	88.5%
Jackson	11	6	1	4	63.6%
Jefferson	1	1	0	0	100.0%
Lafayette	0	0	0	0	N/A
Lake	864	406	401	57	93.4%
Lee	75	27	39	9	88.0%
Leon	88	20	35	33	62.5%
Levy	20	12	8	0	100.0%
Liberty	0	0	0	0	N/A
Madison	6	1	5	0	100.0%
Manatee	81	34	42	5	93.8%
Marion	364	174	165	25	93.1%
Martin	859	442	345	72	91.6%
Miami-Dade	794	249	363	182	77.1%
Monroe	23	12	9	2	91.3%
Nassau	1,881	1,007	681	193	89.7%
Okaloosa	15	8	3	4	73.3%
Okeechobee	51	34	14	3	94.1%
Orange	6,012	2,849	2,598	565	90.6%
Osceola	883	398	378	107	87.9%
Palm Beach	1,675	635	834	206	87.7%
Pasco	113	33	74	6	94.7%
Pinellas	127	46	72	9	92.9%
Polk	414	163	215	36	91.3%
Putnam	1,105	594	444	67	93.9%
Santa Rosa	624	275	323	26	95.8%
Sarasota	393	206	169	18	95.4%
Seminole	3,705	1,717	1,736	252	93.2%
St. Johns	10,802	5,421	4,285	1,096	89.9%
St. Lucie	2,488	1,118	1,100	270	89.1%
Sumter	63	26	37	0	100.0%
Suwannee	14	1	12	1	92.9%
Taylor	6	4	1	1	83.3%
Union	6	4	2	0	100.0%
Volusia	34,403	20,919	10,169	3,315	90.4%
Wakulla	14	6	8	0	100.0%
Walton	8	4	2	2	75.0%
Washington	3	1	2	0	100.0%
Unknown	1,486	675	431	380	74.4%
Statewide	119,345	63,817	44,188	11,340	90.5%

OIR Hurricane Summary Data for CY 2004 and CY 2005 (August 2006)
NAIC Hurricanes Katrina and Rita Final Data Collection Summary (February 2007)
OIR Tropical Storm Fay Summary Data (October 2008)