On November 10, 2022, the Florida Office of Insurance Regulation (OIR) issued an Emergency Order and a required weekly data call related to Hurricane Nicole.
The Emergency Order amends and supersedes the OIR's Emergency Order 300997-22-EO (Hurricane Ian), issued on September 28, 2022, which addressed insurers' extension of grace periods, limitations on cancellations and nonrenewals, and deemers and limitations on "use and file" filings, along with other miscellaneous provisions. Among other things, the amended order states that an insurer may not cancel or renew a personal residential or commercial residential property insurance policy covering property damaged as a result of Hurricane Ian or Hurricane Nicole located in any Florida county, for a period of 90 days after the dwelling has been repaired. It also specifically applies the provisions of Section 627.4133(2)(d), Florida Statutes, to surplus lines insurers. All other terms and conditions of Emergency Order 300997-22-EO remain unchanged and continue in full force and effect.
The OIR's Emergency Order took effect immediately upon issuance, on November 10, 2022, and shall expire upon the expiration of Emergency Order 300997-22-EO.
The OIR is also requiring insurers to provide weekly simplified catastrophe reporting for Hurricane Nicole through the month of November. The weekly reporting deadlines for November are as follows:
- Monday, November 14, 2022
- Monday, November 21, 2022
- Monday, November 28, 2022
The data must be submitted by 12:00 p.m. ET for each reporting deadline. Insurers are to report Hurricane Nicole claims data using the 2022 CRF. The fillable 2022 CRF template must be downloaded within your filing in IRFS here. Recent claims reporting notices and other resources are available here on the OIR website.
The following resources are available to aid in completing the CRF:
If you have questions, email DisasterReporting@floir.com or call (850) 413-3147. Technical assistance will be available Monday through Friday, 8:00 a.m. – 5:00 p.m. ET.
Link to OIR Notice to the Industry: Hurricane Nicole and Hurricane Ian OIR Emergency Order
Link to Emergency Order 302804-22-EO (Hurricane Nicole and Hurricane Ian)