OIR Hurricane Helene Information

Hurricane Helene

OIR is closely monitoring Hurricane Helene and its impacts to Florida's insurance industry. This page provides information regarding OIR's Hurricane Helene response and recovery efforts and additional resources for impacted policyholders and insurers.

Governor DeSantis declared a State of Emergency for 41 counties in Florida for Hurricane Helene. Executive Order 24-209 is available here. The Florida Division of Emergency Management's disaster information page for Hurricane Helene 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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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.

Following Governor DeSantis' Emergency Order 24-209, and pursuant to sections 252.63(1) and 627.4133(2)(d)1., Florida Statutes, the Florida Office of Insurance Regulation issued Emergency Order 400385-24 for Hurricane Helene.

This order amends and supersedes Emergency Order 400385-24 . A copy of the order is available here.

On September 24, OIR issued an Notice to Industry to all authorized residential property insurers to provide guidance on hurricane preparedness and claims handling. Insurers were directed to review all aspects of their disaster preparedness and response plans to ensure they are in compliance with Florida law.

The Notice to Industry 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 Helene. Information regarding catastrophe claims data for Hurricane Helene 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 27, 2024. 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: $2,584,892,782

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

The data presented represents the current status of each claim as it is reported to OIR. These numbers in each category are fluid and will fluctuate over time as claims move through the insurers' claims-handling process.

Data provided as of June 10, 2025

	Residential Property	Homeowners	Dwelling	Mobile Homeowners	Commercial Residential	Commercial Property	Private Flood	Business Interruption	Commercial Auto	Private Passenger	TOTALS
Number of Claims	72,037	57,992	6,550	6,617	878	7,137	4,344	146	1,424	62,578	155,182
Open Claims with Payment	2,564	1,998	262	275	29	757	300	9	45	414	4,398
Open Claims without Payment	2,204	1,860	239	50	55	3,329	721	30	26	225	7,195
Claims Closed with Payment	29,315	22,385	2,124	4,446	359	993	1,910	65	1,174	54,822	93,451
Claims Closed without Payment	37,951	31,748	3,925	1,846	435	2,058	1,413	42	179	7,117	50,138
Percent of Claims Closed	93.4%	93.3%	92.4%	95.1%	90.4%	42.7%	76.5%	73.3%	95.0%	99.0%	92.5%
Total Losses Incurred	$567,473,233	$437,056,807	$49,035,960	$62,007,307	$19,373,159	$708,838,483	$185,242,937	$32,084,021	_	_	$2,584,892,782

*All 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.

Claims Closed Without Payment

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.

	Homeowners	Dwelling	Mobile Homeowners	Commercial Residential	Commercial Property	Private Flood	Business Interruption	All Other Lines of Business	TOTALS
Claims Closed without Payment Due to Denial of Coverage (Flood)	8,024	832	471	23	286	70	2	389	10,097
Claims Closed without Payment Due to Denial of Coverage (All Other Than Flood)	6,118	1,015	418	78	380	945	3	1,190	10,147
Claims Closed without Payment Due to Damage Below Deductible	10,683	1,544	572	173	640	129	4	1,506	15,251
Claims Closed Due to No Damage	179	10	12	4	41	2	0	120	368
Claims Closed Due to Inquiry Only	225	8	0	0	14	0	2	30	279
Claims Closed Due to Duplicate Claim	224	23	13	3	16	1	0	176	456
Claims Closed Due to Incorrect Date of Loss	1	0	2	0	0	0	0	3	6
Claims Closed Due to Claims Reopened	39	7	0	0	3	0	0	18	67
Claims Closed Due to Claim Withdrawn by Insured	3,117	267	189	52	108	40	4	491	4,268
Claims Closed Due to Fraud	0	0	0	0	5	0	0	18	23
Claims Closed Due to Lack of Cooperation by Insured	62	3	8	1	1	0	0	32	107
Claims Closed Due to Claim Opened in Error	169	8	14	3	27	0	2	411	634
Claims Closed Due to No Contact by Insured	152	9	3	3	13	0	3	574	757
Claims Closed Due to No Policy in Force	48	4	2	1	4	0	0	27	86
Claims Closed Due to Partial Denial	105	11	24	8	7	3	0	95	253
Claims Closed Due to No Coverage (i.e. ex-wind)	277	34	10	27	279	100	0	211	938
Claims Closed Due to Claim System Not Capturing Specific Data Points	2,325	150	108	59	234	123	22	3,380	6,401

Data as of June 10, 2025.

*Other Lines of Business may include Commercial Auto, Private Passenger Auto, Fire, Farmowners' Multi-Peril, Ocean Marine, Inland marine, Aircraft, Glas, 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
Pinellas	53460	950	1428	33012	18070	95.6%
Hillsborough	18881	458	1069	11366	5988	91.9%
Pasco	10411	159	370	6055	3827	94.9%
Sarasota	9775	165	345	6247	3018	94.8%
Manatee	9712	224	351	5899	3238	94.1%
Charlotte	6153	55	152	4163	1783	96.6%
Duval	5470	244	621	2675	1930	84.2%
Lee	3686	87	195	2216	1188	92.3%
Suwannee	2654	252	31	1922	449	89.3%
Alachua	2571	142	66	1470	893	91.9%
Hernando	2146	51	120	1203	772	92.0%
Citrus	1935	39	72	1027	797	94.3%
Taylor	1789	138	59	1195	397	89.0%
Columbia	1824	126	31	1212	455	91.4%
Madison	1759	178	21	1291	269	88.7%
Orange	1372	54	247	594	477	78.1%
Leon	1343	68	47	731	497	91.4%
Clay	1281	62	353	475	391	67.6%
Marion	1043	47	45	539	412	91.2%
Hamilton	1010	88	18	743	161	89.5%
All Other Counties	12366	591	1077	7201	3497	86.5%
TOTALS	155182	4398	7195	93451	50138	92.5%

Data as of Jun. 10, 2025.

** 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.

Additional Resources

Division of Consumer Services

Insurance Consumer Advocate

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