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.

Disaster Preparedness Resources

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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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:

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 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	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%

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

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
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%

Data as of November 16, 2023

Additional Resources

Division of Consumer Services

Insurance Consumer Advocate

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