FILING REQUIREMENT NOTICE:
Market Intelligence Report
Email Address
This notice is to inform you of the new filing requirement for the Market Intelligence Report for the following companies:
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Data Call Overview
In accordance with section 624.424(10), Florida Statutes, all insurers licensed in Florida writing personal residential and commercial residential lines of insurance are required to submit monthly Market Intelligence Reports to OIR. The next Market Intelligence Report requires July 2026 data.
Please Note: Beginning with January 2026 data, the Market Intelligence Report template, Form OIR-DO-1185, will require the following additional data for each Florida zip code:
- Number of lawsuits closed during the reporting month.
- Number of lawsuits closed with consideration for the consumer during the reporting month.
- Number of lawsuits open at beginning of month.
- Number of lawsuits open at end of month.
- Number of lawsuits opened during the month.
These additional fields were required beginning with the January 2026 data reporting deadline and will continue for all future reporting.
The Market Intelligence Report template, Form OIR-D0-1185, requires the following data for each Florida zip code:
- Total number of policies in force at the end of each month;
- Total number of policies canceled;
- Total number of policies nonrenewed;
- Number of policies canceled due to hurricane risk;
- Number of policies nonrenewed due to hurricane risk;
- Number of new policies written;
- Total dollar value of structure exposure under policies that include wind coverage;
- Number of policies that exclude wind coverage;
- Number of claims open each month;
- Number of claims closed each month;
- Number of claims pending each month; and
- Number of claims in which either the insurer or insured invoked any form of alternative dispute resolution, and specifying which form of alternative dispute resolution was used.
- Number of lawsuits closed during the reporting month.
- Number of lawsuits closed with consideration for the consumer during the reporting month.
- Number of lawsuits open at beginning of month.
- Number of lawsuits open at end of month.
- Number of lawsuits opened during the month.
These fields will be required for this reporting deadline and all future reporting.
Required Filers
Required filers include all insurers licensed in Florida writing personal residential and commercial residential lines of insurance, including insurers currently authorized in the following lines of business in Florida:
- Fire
- Allied Lines
- Homeowners Multi-Peril
- Mobile Home Multi-Peril
- Farmowners Multi-Peril
- Commercial Multi-Peril
- Industrial Fire
- Industrial Extended Coverage
- Personal Residential Primary Private Flood
- Personal Residential Excess Private Flood
The Office of Insurance Regulation (OIR) reminds insurers to confirm all personal residential and commercial residential lines of insurance listed above are reported within each submission.
Filing Deadline
Filing Deadline: On or before August 31, 2026, by 11:59 p.m., ET:
Should the due date fall on a weekend, OIR will accept Market Intelligence Report data the following business day.
Reporting Scope: July 1, 2026 – July 31, 2026
Penalty: Requests for extensions will not be granted. Insurers are required to report monthly supplemental reports in accordance with Florida Statutes. Failure to comply may result in a referral to OIR’s Property and Casualty Market Regulation Unit for further action.
How to File
Please use the Insurance Regulation Filing System (IRFS)Insurance Regulation Filing System (IRFS) for filing submission. Trade secret Market Intelligence Report data can be uploaded into IRFS. OIR will not accept Market Intelligence Report data submitted as trade secret any other way, including U.S. mail or email.
Each insurer within a group must submit its filing on an individual company basis.
NOTE: If the insurer does not report any personal or commercial residential policies in force in Florida for the identified lines of business, but the insurer has data to report for any field for previously in-force policies in Florida, the insurer is subject to a data filing. Data associated with previously in-force Florida policies remains subject to filing. If the insurer has data to report for any field, a data filing must be filed. The insurer is subject to a no data filing if the insurer does not report any personal or commercial residential policies in force in Florida for the identified lines of business and the insurer has no data to report for any field for previously in-force policies in Florida.
Download the template from within the IRFS filing.
NOTE: The contacts tab will need to be entered manually by the filer.
The Market Intelligence Report template requires insurers to respond to the following: “Treatment of current filing over last month’s filing?” All insurers with policies in force in Florida for the required lines of business must select “New DATA reporting” in the first Market Intelligence Report template filed. Select “Continual DATA reporting” in subsequent filings.
The Contacts tab displays the number of errors found related to missing or invalid values. Resolve the errors before uploading into the IRFS Market Intelligence Report Component.
Once the template is uploaded, a prompt to upload a trade secret affidavit will appear. Only upload a trade secret affidavit if the template is marked trade secret on the contacts tab. Click save then submit the filing.
Please allow time to address errors found after submission which may require multiple uploads to address. The template data is extracted by a backend process. When that process finishes, the company will receive an email indicating the success or failure of the submission. Access extraction errors for the template by selecting the edit option next to the status Extraction Errors. Resolve the errors and reupload the template.
NOTE: The company must remove the previously submitted template containing the extraction errors before uploading the corrected template and resubmitting.
Continue the process until all extraction errors are resolved.
Additional information:
IRFS filing instructions, which includes information on how to submit trade secret data, can be found here.
Market Intelligence Report Template Version 4.1
Market Intelligence Report FAQs
Market Intelligence Report Glossary
Data Call Reporting Webpage
Updated Zip Code and County List
Questions: Please email MIR@floir.gov or call (850) 413-3147.
About the OIR
The Florida Office of Insurance Regulation (OIR) has primary responsibility for regulation, compliance, and enforcement of statutes related to the business of insurance and the monitoring of industry markets. For more information about OIR, please visit floir.gov or follow on X @FLOIR_comm.
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