Florida OIR data at a glance
Florida Office of Insurance Regulation publishes hurricane claim data in the weeks following major events. This page summarizes the most recent full-cycle data for Florida policyholders.
Hurricane Helene (2024): at data cut
- Closed-without-payment rate: ~33% of closed claims denied with zero carrier payment
- Denial basis distribution:
- Below-deductible: 33%
- Flood / excluded peril: 20%
- Insufficient documentation: 15%
- Disputed cause of loss: 12%
- Other: 20%
Hurricane Milton (2024): at data cut
- Closed-without-payment rate: ~41%
- Denial basis distribution:
- Below-deductible: 41%
- Flood / excluded peril: 18%
- Insufficient documentation: 13%
- Other: 28%
What these numbers mean for policyholders
A meaningful share of these closed-without-payment denials are defensible. A meaningful share are not. The problem is that without a documented re-estimate, you cannot tell which category your claim falls into.
Specifically:
- Below-deductible denials often rest on a partial scope. A re-estimate that captures full scope frequently clears the deductible threshold.
- Flood-coverage denials rest on a cause-of-loss determination. Wind-driven rain is generally covered under wind policies; flood is not. The distinction is documented and argued.
- Insufficient documentation denials are the most recoverable: submit the documentation.
- Disputed cause of loss denials call for expert reports (engineer, meteorologist) and timeline analysis.
What Ocean Point sees
Of the post-storm denials we review, roughly 60% are reversible in full or in significant part. The reversal path, documentation, re-estimation, sometimes an engineer report, sometimes mediation, is the core Ocean Point workflow.
Source notes
OIR data cited above is from floir.com/catastrophe-reporting for the respective events. Data cuts are taken at the last full-cycle report available prior to page publication. As events age, closed-without-payment rates shift.