Florida

On May 29, 2025, the Florida Office of Insurance Regulation issued a Notice to Industry to inform insurers of the 2025 Catastrophe Reporting Form (CRF) in preparation for the Atlantic Hurricane Season, which begins on June 1, 2025.

On February 20, 2025, the Florida Office of Insurance Regulation (FLOIR) issued an informational memorandum containing guidance on wind and water claims and also requiring all residential property and casualty insurers to report information regarding the National Flood Insurance Program's (NFIP) claims handling process and NFIP Write Your Own Program (WYO) policies.

Florida has amended Rule 19-8.029 to update certain revision dates for data calls and loss reporting forms for insurers that participate in the Florida Hurricane Catastrophe Fund (FHCF). Additionally, companies required to reimburse the FHCF for costs are liable for interest on the amount owed. The applicable interest rate for interest charges will be the average rate earned by the State Board of Administration for the FHCF for the six months preceding the start of the contract year. For balances paid after the invoice due date, interest will accrue at that same rate plus five percent.

Florida has enacted Rule 69O-137.009. The rule applies to all commercial and residential property policies as defined and requires each insurer doing business in the state to file a monthly supplemental report. Additionally, a separate report should be prepared for each ZIP code in which business was written. The rule provides the form that is to be submitted monthly, and where to find it on the Department's website.

On October 13, 2024, the Florida Office of Insurance Regulation (FLOIR) issued Amended Emergency Order 400385-24 following Hurricane Helene, extending the deadline of the emergency order to December 10, 2024. The emergency order outlines the steps that insurers must take to help policyholders in the affected counties. 

On October 16, 2024, the Florida Office of Insurance Regulation (FLOIR) issued Emergency Order 400386-24following Hurricane Milton, outlining the steps that insurers must take to help policyholders in the affected counties. 

On October 8, 2024, the Florida Office of Insurance Regulation (FLOIR) issued a Data Call Notice following Hurricane Milton, requiring certain insurers to submit daily simplified catastrophe reporting.

Florida has enacted Emergency Rule 69OER24-2 and amended Rule 69O-170.0135. Please see below for a summary of each.

On September 30, 2024, the Florida Office of Insurance Regulation (FLOIR) issued Emergency Order 400385-24 following Hurricane Helene, outlining the steps that insurers must take to help policyholders in the affected counties. 

On August 28, 2024, the Florida Office of Insurance Regulation (FLOIR) issued a follow-up Data Call Notice for Hurricane Debby, requiring certain insurers to submit simplified catastrophe reporting.