Hurricane Season Resources

Hurricane season is June 1 – November 30 and OIR encourages consumers to review your insurance policies, understand your coverages, and protect your home from the threat of flooding before a storm.

The resources included below will help consumers prepare for severe weather. OIR encourages consumers to continue monitoring this page for important updates throughout the storm season.

Create a Home Inventory

In preparing for hurricane season it is important to maintain an inventory of your home. A home inventory is a list of significant items within the room, broken down by room, with an estimate of the item’s current value. These types of inventories can make it easier for you to file an accurate, detailed insurance claim in case your home is damaged or destroyed in a disaster. As part of the home inventory, you should include photos and proof of ownership. Once you have completed your home inventory, you should check with your insurer to determine if you need additional coverage.

There are several options to assist you in completing your inventory.

• Inventory Checklist
• NAIC Home Inventory App
  • iPhone®
  • Android®

Consider Flood Insurance

OIR encourages consumers to make sure they are covered. Flooding is the nation's most common and costly natural disaster. Flood damages are not typically covered in a homeowners' insurance policy and flood coverage must be purchased separately or as an endorsement to their current policy. Even a small amount of water in a home can cost a very costly.

Find a list of insurance carriers writing private flood insurance coverage here.

• Flood Insurance Writers in Florida

Know Your Insurer Contact Information

You can find updated contact information for your insurer below.

• Florida’s Property and Casualty Insurers

Gather Important Documents

Be sure to gather your important documents such as your insurance policies, identification cards, and keep them in a secure location should you need to evacuate quickly.

Additional Resources:

Executive Office of the Governor

- Please Select - Executive Order Number 20-225 Executive Order Number 20-224 Executive Order Number 20-181

Florida Office of Insurance Regulation

- Please Select - Hurricane Sally Emergency Order Hurricane Sally Data Call Notice 9/15/2020 Hurricane Sally Early Prescription Refills Notice

Florida Department of Financial Services

- Please Select - DFS Hurricane Michael Webpage Homeowners’ Insurance – A Toolkit for Consumers Homeowners’ Insurance – A Toolkit for Consumers (Spanish version) Natural Disasters Natural Disasters (Spanish version) Disaster Assistance Insurance Helpline Disaster Assistance Insurance Helpline (Spanish version) Disaster Assistance Insurance Helpline (Creole version) Generators Generators (Spanish version) Homeowner Claims Bill of Rights Homeowner Claims Bill of Rights (Spanish version) Homeowner Claims Bill of Rights (Creole version) Florida's Hurricane Deductible Florida's Hurricane Deductible (Spanish version) Florida's Hurricane Deductible (Creole version) Agent/Agency License Search

Florida Division of Emergency Management

- Please Select - Florida SERT Facebook Florida SERT Twitter

Florida Department of Agriculture & Consumer Services

- Please Select - To file a complaint To find out if a business is licensed and registered with the DOACS and to view its complaint history Protect Yourself from Service/Contractor Scams

Office of the Attorney General

- Please Select - Price Gouging Hotline: 1-866-966-7226 To file a price gouging complaint Consumer Protection Alert: "How to Protect Yourself: Price-Gouging After a Hurricane" Frequently Asked Questions on Price Gouging

Federal Emergency Management Agency/National Flood Insurance Program

- Please Select - By phone, call toll-tree: 1-800-621-3362 (select option 2) By email, floodsmart@fema.dhs.gov FEMA is Here to Help Flyer Toll-Free Phone Numbers for Write Your Own Companies (Claims and Policy Inquiries) Flood Insurance Agent Locator Fact Sheet - Flood Claims Process How Do I File My Flood Claim? Fact Sheet – What You Need to Know About Wind Damage vs. Flood Damage and Your NFIP Claim Fact Sheet: What is Covered (and Not Covered) Under My NFIP Policy FEMA Map Service Center – locate flood map to determine flood risk Fact Sheet – Elevation Certificates: Who Needs Them? National Flood Insurance Program Desk Reference

National Association of Insurance Commissioners Resources

- Please Select - Rethink Your Risk Before the Storm & Home Inventory Smart Apps for Downloading A Smart Disaster Preparedness Plan Includes Insurance Protection Hurricane Preparation: Act Now to Make Filing a Claim Easier After the Storm In the Wake of the Storm: Five Reminders about Your Insurance Coverage Managing the Claims Process: What to expect when your home is damaged in a disaster Basic Homeowners Insurance Does Not Cover Floods Making the Claims Process Easier: What Consumers Should Know When Faced with a Loss Understanding Your Insurance Policy Flooding: Know your coverage, understand your risk Floods Disaster Preparation Guide Hurricanes Disaster Preparation Guide

Informational Memoranda

Hurricane Claims Data Information:

Hurricane Sally Claims Data

Hurricane Dorian Claims Data

Hurricane Michael Claims Data

Hurricane Irma Claims Data

Hurricane Hermine Claims

Hurricane Matthew Claims Data

Historical Hurricane Season Resources:

2004 - 2018

Emergency Orders	Emergency Rules	Executive Orders
Hurricane Summary Reports	Informational Memoranda	Press Releases