OIR Hurricane Isaias Information

Hurricane Isaias

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

Governor DeSantis declared a State of Emergency for 25 counties in Florida for Hurricane Isaias via Executive Order 26-202 . The Florida Division of Emergency Management's disaster information page for Hurricane Isaias is available HERE.

FEMA has activated Individual Assistance for Floridians who need recovery aid. If you need assistance, visit DisasterAssistance.gov or call 1-800-621-3362.

State Assistance Information Line

The Florida State Assistance Information Line is activated to provide an additional resource for Floridians to receive up-to-date information regarding Hurricane Isaias. Residents and visitors can call this toll-free hotline at 1-800-342-3557.

In case of an emergency, please hang up and dial 911.

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 This mandate remains in effect until the Governor’s Executive Order is rescinded or expires.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

OIR instituted a data call for the purpose of collecting catastrophe claims data related to Hurricane Isaias. Information regarding catastrophe claims data for Hurricane Isaias will be made available on this page. Recent claims reporting notices and other resources are available below:

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: $735,515,012

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

	Residential Property	Homeowners	Dwelling	Mobile Homeowners	Commercial Residential	Commercial Property	Private Flood	Business Interruption	Private Passenger Auto	Commercial Auto	All Other Lines of Business	Total
Number of Claims	55,471	47,048	6,221	1,752	450	2,828	129	34	7,825	163	1,621	68,071
Open Claims with Payment	6,869	5,787	681	391	10	89	23	4	872	19	99	7,975
Open Claims without Payment	14,349	11,515	2,086	344	404	2,297	80	11	2,650	80	1,015	20,482
Claims Closed with Payment	21,257	18,629	1,872	745	11	135	0	13	3,429	50	327	25,211
Claims Closed Without Payment	12,996	11,117	1,582	272	25	306	26	6	874	14	180	14,402
Percent of Claims Closed	61.7%	63.2%	55.5%	58.0%	8.0%	15.6%	20.2%	55.9%	55.0%	39.3%	31.3%	58.2%
Total Losses Incurred	$651,006,240	$554,582,491	$72,490,369	$19,719,790	$4,213,590	$38,933,094	$1,468,785	$587,015	$30,376,836	$1,013,864	$12,129,177	$735,515,012

Data as of November 6, 2026

*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 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.

A closed claim without payment is a claim determined not to be payable by the reporting insurer at the time of reporting. Common reasons a claim may close without payment include claims where the total damage does not exceed the policy deductible, flood damage that falls outside standard homeowner's coverage, consumer withdrawal of the claim, or an inability to contact the insured to complete the adjudication process.

Reasons	Residential Property	Homeowners	Dwelling	Mobile Homeowners	Commercial Residential	Commercial Property	Private Flood	Business Interruption	Private Passenger Auto	Commercial Auto	All Other Lines of Business	Totals
No Flood Coverage	248	218	29	0	1	8	0	0	22	0	48	326
Other Coverage Exclusions or No Policy in Force	1,591	1,357	165	65	4	72	5	3	170	4	19	1,864
Coverage Damage Below Deductible	6,569	5,587	878	91	13	111	0	0	119	3	33	6,835
Fraud	0	0	0	0	0	0	0	0	3	0	0	3
Administrative Reasons*	4,588	3,955	510	116	7	115	21	3	560	7	80	5,374

Data as of November 6, 2026

*Administrative reasons may include, but are not limited to, insured inquiry only, claim withdrawn by insured, duplicate claim or claim opened in error, incorrect date of loss, or lack of cooperation/communication by insured.

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
Santa Rosa	31664	4804	8877	12756	5227	56.8%
Escambia	21119	2103	6173	8122	4721	60.8%
Okaloosa	6515	427	1902	2253	1933	64.3%
Walton	2662	229	967	711	755	55.1%
Bay	2592	146	947	684	815	57.8%
Duval	360	11	134	59	156	59.7%
Leon	258	21	67	74	96	65.9%
Jackson	256	7	173	39	37	29.7%
Holmes	243	19	93	67	64	53.9%
Washington	167	12	80	45	30	44.9%
Hillsborough	132	10	58	29	35	48.5%
Charlotte	85	26	7	47	5	61.2%
Alachua	79	8	36	17	18	44.3%
Orange	75	2	34	10	29	52.0%
Pasco	74	4	28	13	29	56.8%
Marion	72	1	31	13	27	55.6%
Saint Johns	62	12	23	6	21	43.5%
Pinellas	57	3	24	11	19	52.6%
Clay	53	2	13	15	23	71.7%
Gadsden	51	4	17	11	19	58.8%
All Other Counties	1281	102	713	183	283	36.4%
TOTALS	68071	7975	20483	25211	14402	58.2%