10/07/2026
The storm is nowhere near Orlando. Your insurance window might have closed anyway.
Citizens suspended all policy binding statewide as of 11:05 a.m. ET today, October 7, triggered by a hurricane watch in the Florida Panhandle, hundreds of miles from here. The rule doesn't care where the storm is headed. One watch anywhere in Florida freezes new policies and coverage changes everywhere in Florida.
It's temporary. Citizens lifted the same kind of freeze after three days back in July. But if you need to bind coverage or add to a policy this week, here's what that actually means for you, and what's still worth doing right now: https://orcaig.com/panhandle-storm-orlando-insurance-binding-restrictions/