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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




For questions regarding Catastrophe Reporting forms, please email disasterreporting@bajarlo.net.





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: $2,848,125,696 

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 Payment**Percent of Claims ClosedTotal 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 Property198,338  8,066 155,444  12,882  21,946 17.6%$2,370,081,532 1,231 15,054 5,661  
Homeowners157,549 6,818  120,597  10,806  19,328  19.1%$1,868,000,000  952 13,462 4,914  
Dwelling18,388 342 15,932 546 1,568 11.5%$216,972,967 146 807 615 
Mobile Homeowners20,610 903 17,178 1,522 1,007 12.3%$261,523,549 132 747  128  
Commercial Residential1,791 1,737 43 2.8%$23,585,015 38 
Commercial Property8,579 79 7,785  109 606 8.3%$229,168,523  51 481   74  
Private Flood1,511 96  1,343  18 54 4.8%$16,205,099 10 43  
Business Interruption255 13 222 11 9  7.8%$6,150,849 
Commercial Auto
929 32 707 107  83  20.5%-67 11 
Private Passenger32,945 3,074 18,103  8,983 2,785 35.7%-509   2,059  217 
TOTALS247,432 
11,480 187,655 22,551 25,746  19.5%$2,889,418,986  1,812 17,952 5,982 

Data as of October 25, 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 BusinessNumber of Claims ReportedNumber of Open Claims with PaymentNumber of Open Claims w/o PaymentNumber of Claims Closed with PaymentNumber of Claims Closed w/o Payment**Percent of Claims ClosedTotal Incurred LossClaims Closed without Payment due to Non-Covered Flood DamageClaims without Payment -All Other ReasonsClaims Closed without Payment due to Damage Below deductible
Residential Property57,415 3,641 24,246 10,460 19,068 51.4%$529,324,867 4,065 10,031 4,972 
Homeowners45,381 2,768 18,688 7,662 16,263 52.7%$410,114,650 3,699 8,461 4,103 
Dwelling5,527 202 2,894 692 1,739 44.0%$54,503,410 283 827 629 
Mobile Homeowners5,899 668 2,148 2,088 995 52.3%$59,854,779 81 697 217 
Commercial Residential608 516 18 71 14.6%$4,852,028 46 23 
Commercial Property3,310 69 2,668 133 440 17.3%$77,593,108 82 279 79 
Private Flood3,799 716 2,777 219 87 8.1%$78,002,224 78 
Business Interruption64 349 18.8%$1,259,571 02
Commercial Auto1,392 158 901 240 93 23.9%.380 10
Private Passenger56,709 15,496 20,384 17,398 3,431 36.7%.520 2,647 230 
TOTALS127,066 20,352 

53,891 

29,373 23,450 41.6%$1,437,491,638 
4,695 13,367 5,353 

*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 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 BusinessNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Residential Property14,3338522,5813,5037,39776.0%
Homeowners
11,632
6472,0832,6796,22376.5%
Dwelling1,3077028827267772.6%
Mobile Homeowners1,29213113754348179.3%
Commercial Residential10247391624.5%
Commercial Property730254397219436.4%
Private Flood20955675334

41.6%

Business Interruption532000%
Other Lines of Business*6,5547037134,28984978.4%
TOTALS21,8311,6383,8027,9178,47475.1%

*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 BusinessNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Residential Property3,5941471,1591,0101,27863.7%
Homeowners3,1191339499641,07365.3%
Dwelling385101713117353.0%
Mobile Homeowners47411151768.1%
Commercial Residential4302801534.9%
Commercial Property290424044215.9%
Private Flood8211557919.5%
Business Interruption101000%
Other Lines of Business*10,2201,7972,9314,4311,06153.7%
TOTALS14,1871,9594,3865,4522,39055.3%

*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 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 BusinessNumber of ClaimsNumber 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%
Homeowners11,5861,5611,0664,1344,82577.3%
Dwelling1,58519519555064575.4%
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%
TOTALS25,0473,1942,92711,5437,38375.6%

*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
CountyNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Suwannee3,0246231871,73947573.2%
Taylor2,8986022871,55545469.3%
Pinellas1,97513517678887684.3%
Madison1,72735415695726070.5%
Hillsborough1,5349929954758974.1%
Pasco1,34011813151657581.4%
Hamilton9621707059312975.1%
Citrus9219411332239277.5%
Columbia8321186445119978.1%
Duval816588635032282.4%
Leon615525225825383.1%
Lafayette611167563226663.5%
Dixie601567032015579.0%
Sarasota514218618522279.2%
Charlotte481485123215079.4%
Hernando469448815418371.9%
Manatee443336113621378.8%
Orange411216313419379.6%
Lee407175516916682.3%
Alachua377384517112378.0%
All Other Counties4,4663267311,6441,38867.9%
TOTALS25,0473,1942,92711,5437,38375.6%

*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.

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 BusinessNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Residential Property558,29924,18013,369362,626158,12493.3%
Homeowners454,07220,25911,463286,786135,56493.0%
Dwelling57,4512,9501,67237,91214,91792.0%
Mobile Homeowners42,8614918735,8396,44498.7%
Commercial Residential3,9154801472,0891,19984.0%
Commercial Property33,0104,5084,38311,36312,75673.1%
Private Flood5,645378853,7051,47791.8%
Business Interruption582252141112592.1%
Other Lines of Business*179,4051,097998151,76425,54698.8%
TOTALS776,94130,18818,856529,869198,02893.7%

*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 April 22, 2024
CountyNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Lee272,29912,7674,910200,61254,01093.5%
Charlotte104,7556,0791,15083,82913,69793.1%
Sarasota78,5372,8011,32053,96720,44994.8%
Collier46,7679251,00730,07114,76495.9%
Volusia41,55299574925,48514,32395.8%
Orange35,2901,1091,27318,46514,44393.3%
Polk27,83568779117,7708,58794.7%
Hillsborough17,7044927189,1787,31693.2%
Manatee13,9773383438,0505,24695.1%
Osceola12,4724985276,6624,78591.8%
Seminole11,7932433146,0055,23195.3%
Broward6,9174201,2273,0962,17476.2%
Miami-Dade6,8114431,4152,7812,17272.7%
Highlands6,7661401674,7031,75695.5%
DeSoto6,397226565,15096595.6%
Brevard5,7961101853,2152,28694.9%
Palm Beach5,1572816832,5491,64481.3%
Pinellas4,9071181482,3562,28594.6%
Lake4,8341011582,6411,93494.6%
St. Lucie3,1601132361,85995289.0%
All Other Counties63,2151,3021,47941,42519,00995.6%
TOTALS776,94130,18818,856529,869198,02893.7%

*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 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 BusinessNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Residential Property22,8591,0802,2988,94610,53585.2%
Homeowners19,2529302,0407,2159,06784.6%
Dwelling2,2881132199001,05685.5%
Mobile Homeowners1,224352579437095.1%
Commercial Residential95214374283.2%
Commercial Property1,29810845518654956.6%
Private Flood67143292174.6%
Business Interruption9017188.9%
Other Lines of Business*3,85965832,87184096.2%
TOTALS28,0921,2672,84012,03911,94685.4%

*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 June 16, 2023
CountyNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Volusia4,1681375481,8231,66083.6%
Brevard3,7971693491,7611,51886.4%
Orange3,3281502901,3341,55486.8%
Duval1,4505110864165089.0%
Seminole1,0093410241845586.5%
Palm Beach9977017233342275.7%
Osceola942619943035283.0%
Hillsborough919299132947086.9%
Lake907417340339087.4%
Pinellas890276834944689.3%
St. Lucie8837911436732378.1%
Polk870507737037385.4%
Broward6593912220729175.6%
Flagler603326727522983.6%
Marion598313930122788.3%
Pasco585273322629989.7%
St. Johns552275423723485.3%
Indian River489226422917482.4%
Lee481213022021089.4%
Miami-Dade423315713320279.2%
All Other Counties3,5421392831,6531,46788.0%
TOTALS28,0921,2672,84012,03911,94685.4%

*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 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 BusinessNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Residential Property57,3734,89514,84124,52613,11165.6%
Homeowners47,1474,10311,37020,43411,24067.2%
Dwelling8,1116412,4883,3551,62761.4%
Mobile Homeowners1,38012536969219464.2%
Commercial Residential73526614455012.9%
Commercial Property3,6492132,94914833913.3%
Private Flood2072715221713.5%
Business Interruption50101516950.0%
Other Lines of Business*10,7192,0153,1244,67190952.1%
TOTALS71,9987,16021,08129,38214,37560.8%

*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.

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 BusinessNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Residential Property3,1131651,0398491,06061.3%
Homeowners2,61513885373988562.1%
Dwelling30011142529549.0%
Mobile Homeowners1921640577970.8%
Commercial Residential6041133.3%
Commercial Property2862146538548.3%
Private Flood4013075.0%
Business Interruption230701669.6%
Other Lines of Business*2,3381246641,29625466.3%
TOTALS5,7642911,8572,2011,41562.7%

*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 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 BusinessNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Residential Property101,9324,90153082,46214,03994.7%
Homeowners75,1623,94537260,29910,54694.3%
Dwelling16,1235707913,0122,46296.0%
Mobile Homeowners9,161239298,24365097.1%
Commercial Residential1,4861475090838186.7%
Commercial Property11,8731,4384347,2362,76584.2%
Private Flood5987242616398.5%
Business Interruption918713657523688.3%
Other Lines of Business*43,6701094438,9574,56099.6%
TOTALS158,9916,5261,046129,65621,76395.2%

*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.


Data as of December 13, 2019 by County
County*Number of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Bay95,1844,79552280,0379,83094.4%
Calhoun
4,429102313,99330397.0%
Franklin2,4045291,45488997.5%
Gadsden6,398229605,0341,07595.5%
Gulf7,810358206,2271,20595.2%
Holmes1,169221689323896.7%
Jackson14,8345265712,9641,28796.1%
Jefferson192121345598.4%
Leon10,569128917,3532,99797.9%
Liberty1,2201411,09211398.8%
Madison5110361498.0%
Taylor70005218100.0%
Wakulla1,4441351,01141598.8%
Washington3,54671352,97646497.0%
Rest of the State9,6712141976,4002,86095.8%
TOTAL158,9916,5261,046129,65621,76395.2%

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


Hurricane Michael Claims Status by Filing Deadline
HurricaneMichaelFilingDeadline2020

Paid Losses by Line of Business

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

HurricaneMichaelPaidLossesLOB2020

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.
HurricaneMichaelNumberofClaims2020

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.
HurricaneMichaelTotalClaimsZipCode2020

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.

HurricaneMichaelCountyZipCodes2020-1

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.
HurricaneMichaelOpenClaimsLOB2020
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 BusinessNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent of Claims Closed
Residential Property955,85217,16425,900619,652293,13695.5%
Homeowners774,32714,34722,139494,754243,08795.3%
Dwelling121,9402,1852,97180,98635,79895.8%
Mobile Homeowners48,5721494338,6839,69799.6%
Commercial Residential11,0134837475,2294,55488.8%
Commercial Property62,9491,9891,65528,57230,73394.2%
Private Flood1,799741,08670299.4%
Business Interruption3,82723102,0741,72099.1%
Other Lines of Business101,16112521978,40222,41599.7%
TOTALS1,125,58819,30827,788729,786348,70695.8%

 


CountyNumber of ClaimsNumber of Open Claims with PaymentNumber of Open Claims without PaymentNumber of Claims Closed with PaymentNumber of Claims Closed without PaymentPercent Claims Closed
Alachua4,41213172,4681,91499.3%
Baker6141143018299.7%
Bay51138632414391.4%
Bradford89900554345100.0%
Brevard50,01849023035,98313,31598.6%
Broward103,0232,8155,77560,90233,53191.7%
Charlotte9,714702125,5613,87197.1%
Citrus2,650371,4141,22699.6%
Clay9,41140225,9693,83099.3%
Collier112,9572,0512,04685,34823,51296.4%
Columbia1,0711169137899.8%
DeSoto1,749831,14459499.4%
Dixie2500017278100.0%
Duval37,90521311323,50314,07699.1%
Escambia4391030313599.8%
Flagler7,20689344,5692,51498.3%
Franklin4410142997.7%
Gadsden2572014610999.2%
Gilchrist2110014962100.0%
Glades3,096902,72136699.7%
Gulf3450171285.3%
Hamilton2350017560100.0%
Hardee2,19915111,56860598.8%
Hendry3,79533182,92182398.7%
Hernando2,94915141,5351,38599.0%
Highlands17,478743313,0354,33699.4%
Hillsborough21,48522029111,1549,82097.6%
Holmes68004424100.0%
Indian River6,40548374,1072,21398.7%
Jackson199501108497.5%
Jefferson145009451100.0%
Lafayette103007924100.0%
Lake25,2591527117,4297,60799.1%
Lee102,3191,8564,05167,04629,36694.2%
Leon1,26531071653699.0%
Levy5750339218099.5%
Madison2350016372100.0%
Manatee9,43254775,4383,86398.6%
Marion10,37350335,9894,30199.2%
Martin5,2821011973,2081,77694.4%
Miami-Dade152,2015,9788,51092,47045,24390.5%
Monroe26,64340210816,6999,43498.1%
Nassau4,200962,8161,36999.6%
Okaloosa2660213712799.2%
Okeechobee2,4501421,86157399.3%
Orange78,9311,02266452,82024,42597.9%
Osceola31,05654225522,3987,86197.4%
Palm Beach57,0651,2033,18332,12320,55692.3%
Pasco9,48642455,1514,24899.1%
Pinellas26,35414311614,64211,45399.0%
Polk54,12738120038,68614,86098.9%
Putnam3,087222,0661,01799.9%
St. Johns11,02238336,9873,96499.4%
St. Lucie15,0702833659,4125,01095.7%
Santa Rosa16510986699.4%
Sarasota12,388672286,2305,86397.6%
Seminole27,03527624517,1659,34998.1%
Sumter4,4671092,6231,82599.6%
Suwannee8764062524799.5%
Taylor14010855499.3%
Union1800012951100.0%
Volusia28,67721912719,6508,68198.8%
Wakulla10710683899.1%
Walton84003252100.0%
Washington3840211389.5%
Unknown23,20119037517,2075,42997.6%
Statewide1,125,58819,30827,788729,786348,70695.8%

 


IrmaPercentClaimsLOB
IrmaPercentClaimsCounty

IrmaTotalClaimsCountyMap
IrmaTotalClaimsZipCodeMap

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 BusinessNumber of ClaimsClosed Claims (Paid)Closed Claims (Not Paid)Number Claims OpenPercent Claims Closed
Homeowners10,9674,3855,79578792.8%
Dwelling1,72480581910094.2%
Mobile Homeowners1,3428184992598.1%
Commercial Residential6112321772.1%
Residential Property14,0946,0207,14592993.4%
Commercial Property99432642424475.5%
Private Flood195133461691.8%
Federal Flood1,1648542436794.2%
Flooding1,3599872898393.9%
Business Interruption563020689.3%
Other Lines of Business3,1962,50156213395.8%
TOTALS19,6999,8648,4401,39592.9%

 


CountyNumber of ClaimsClosed Claims (Paid)Closed Claims (Not Paid)Number Claims OpenPercent Claims Closed
Alachua5162852082395.5%
Baker25159196.0%
Bay583420493.1%
Bradford191180100.0%
Brevard14765641887.8%
Broward11244452379.5%
Calhoun311166.7%
Charlotte6730271085.1%
Citrus1,5228665758194.7%
Clay19411275796.4%
Collier411517978.0%
Columbia15910849298.7%
DeSoto1238191.7%
Dixie14576541589.7%
Duval9934374619590.4%
Escambia311710487.1%
Flagler361122391.7%
Franklin12445681191.1%
Gadsden1528862298.7%
Gilchrist2918110100.0%
Glades0000N/A
Gulf7250100.0%
Hamilton825031198.8%
Hardee13850100.0%
Hendry10010.0%
Hernando5132652232595.1%
Highlands241211195.8%
Hillsborough1,48667570610592.9%
Holmes201150.0%
Indian River20611385.0%
Jackson18116194.4%
Jefferson784135297.4%
Lafayette322660100.0%
Lake22712296996.0%
Lee10637462378.3%
Leon3,7822,0771,47523093.9%
Levy3911931722693.4%
Liberty4310100.0%
Madison197104821194.4%
Manatee6633732395192.3%
Marion313160144997.1%
Martin20118195.0%
Miami-Dade13852563078.3%
Monroe5230100.0%
Nassau734327395.9%
Okaloosa281111678.6%
Okeechobee1136281.8%
Orange5262202743293.9%
Osceola12044621488.3%
Palm Beach10237461981.4%
Pasco1,4846217739093.9%
Pinellas1,9598161,02411993.9%
Polk3531771571994.6%
Putnam482418687.5%
Santa Rosa511373139.2%
Sarasota3641581604687.4%
Seminole15056791590.0%
St. Johns1457265894.5%
St. Lucie351122294.3%
Sumter542825198.1%
Suwannee19714250597.5%
Taylor4402441742295.0%
Union141040100.0%
Volusia1245266695.2%
Wakulla3912271412394.1%
Walton825187.5%
Washington861187.5%
Unknown507336878483.4%
Statewide19,6999,8648,4401,39592.9%

 

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: $1.182 Billion
Lines of BusinessNumber of ClaimsClosed Claims (Paid)Closed Claims (Not Paid)Number Claims OpenPercent Claims Closed
Homeowners82,95743,83833,3225,79793.0%
Dwelling11,3836,7193,85780792.9%
Mobile Homeowners6,5994,9171,46122196.7%
Commercial Residential51510219521857.7%
Residential Property101,45455,57638,8357,04393.1%
Commercial Property6,6981,2952,4802,92356.4%
Private Flood14594411093.1%
Federal Flood3,2882,15886526591.9%
Flooding3,4332,25290627592.0%
Business Interruption229601036671.2%
Other Lines of Business7,5314,6341,8641,03386.3%
TOTALS119,34563,81744,18811,34090.5%

 


CountyNumber of ClaimsClosed Claims (Paid)Closed Claims (Not Paid)Number Claims OpenPercent Claims Closed
Alachua19993931393.5%
Baker493115393.9%
Bay17610194.1%
Bradford4227150100.0%
Brevard15,9679,0925,4101,46590.8%
Broward1,04634853116784.0%
Calhoun623183.3%
Charlotte361718197.2%
Citrus412218197.6%
Clay2,7511,4721,13214794.7%
Collier411817685.4%
Columbia442319295.5%
DeSoto823362.5%
Dixie5320100.0%
Duval19,0909,6107,8931,58791.7%
Escambia21113766.7%
Flagler7,9394,3092,93769391.3%
Franklin522180.0%
Gadsden641183.3%
Gilchrist4220100.0%
Glades6330100.0%
Gulf301233.3%
Hamilton760185.7%
Hardee7340100.0%
Hendry623183.3%
Hernando341122197.1%
Highlands512425296.1%
Hillsborough256951253685.9%
Holmes10010.0%
Indian River2,1801,05187825188.5%
Jackson1161463.6%
Jefferson1100100.0%
Lafayette0000N/A
Lake8644064015793.4%
Lee752739988.0%
Leon8820353362.5%
Levy201280100.0%
Liberty0000N/A
Madison6150100.0%
Manatee813442593.8%
Marion3641741652593.1%
Martin8594423457291.6%
Miami-Dade79424936318277.1%
Monroe23129291.3%
Nassau1,8811,00768119389.7%
Okaloosa1583473.3%
Okeechobee513414394.1%
Orange6,0122,8492,59856590.6%
Osceola88339837810787.9%
Palm Beach1,67563583420687.7%
Pasco1133374694.7%
Pinellas1274672992.9%
Polk4141632153691.3%
Putnam1,1055944446793.9%
Santa Rosa6242753232695.8%
Sarasota3932061691895.4%
Seminole3,7051,7171,73625293.2%
St. Johns10,8025,4214,2851,09689.9%
St. Lucie2,4881,1181,10027089.1%
Sumter6326370100.0%
Suwannee14112192.9%
Taylor641183.3%
Union6420100.0%
Volusia34,40320,91910,1693,31590.4%
Wakulla14680100.0%
Walton842275.0%
Washington3120100.0%
Unknown1,48667543138074.4%
Statewide119,34563,81744,18811,34090.5%