Hurricane Michael Claims Data

The Florida Office of Insurance Regulation (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, the Florida Office of Insurance Regulation (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 44 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 data call.

For Consumers

OIR encourages consumers who are having issues with a claim to report it. Click here to report an issue with a claim.

Data as of December 13, 2019

For the data call summary as of November 12, 2019, click here.

For the data call summary as of October 25, 2019, click here.

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 99,781 9,272 647 76,169 13,693 90.1% Homeowners 73,655 7,448 508 55,316 10,383 89.2% Dwelling 16,198 1,284 87 12,325 2,502 91.5% Mobile Homeowners 9,101 349 34 8,074 644 95.8% Commercial Residential 827 191 18 454 164 74.7% Commercial Property 11,665 2,924 653 5,398 2,690 69.3% Private Flood 230 13 5 165 47 92.2% Business Interruption 940 151 121 425 243 71.1% Other Lines of Business* 37,199 207 107 32,766 4,119 99.2% TOTALS 149,815 12,567 1,533 114,923 20,792 90.6%

*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.

Hurricane Michael Claims Status by Filing Deadline

Paid Losses by Line of Business

Paid losses include indemnity payments but excludes loss adjustment expenses.

Total Paid Losses: $7,440,971,939

Total Estimated Losses

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

Total Estimated Insured Losses: $7,856,069,561

Claims Data as of December 13, 2019, by County

County* Number of Claims Number of Open Claims with Payment Number of Open Claims without Payment Claims Closed with Payment Number of Claims Closed without Payment Percent of Claims Closed BAY 88,303 9,418 827 68,928 9,130 88.4% CALHOUN 4,030 237 27 3,467 299 93.4% FRANKLIN 2,291 104 31 1,301 855 94.1% GADSDEN 6,298 341 74 4,747 1,136 93.4% GULF 8,794 821 87 6,540 1,346 89.7% HAMILTON 158 0 0 139 19 100.0% HOLMES 1,028 27 12 767 222 96.2% JACKSON 14,168 964 115 11,838 1,251 92.4% JEFFERSON 243 1 3 179 60 98.4% LEON 10,269 183 77 7,042 2,967 97.5% LIBERTY 1,187 32 3 1,032 120 97.1% MADISON 53 1 0 38 14 98.1% TAYLOR 59 0 1 41 17 98.3% WAKULLA 1,475 17 11 1,005 442 98.1% WASHINGTON 3,522 160 21 2,851 490 94.9% REST OF THE STATE 7,937 261 244 5,008 2,424 93.6% TOTAL 149,815 12,567 1,533 114,923 20,792 90.6%

*Suwannee County is not included in the county breakdown due to claims of Trade Secret but is included in the overall claims data.

Total Number of Claims in Panhandle Region

There were 141,878* claims reported in the Panhandle region.

Bay County had the highest number of reported claims, with 88,303 claims accounting for almost 60% of all claims filed as a result of Hurricane Michael. There were 14,168 claims reported in Jackson County, 10,269 claims reported in Leon County, and 8,794 claims reported in Gulf County.

*Suwannee County is not included in the county breakdown due to claims of Trade Secret but is included in the overall claims data.

Total Claims Reported by Zip Code

For the December 13, 2019 data call, approximately half of reporting insurers provided zip code level data. All future catastrophe reporting will require insurers to submit zip code level data.

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.

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. Not all insurers reported data by zip code. Zip codes with no open claims are not represented in this chart.

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.