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FSR for Southern Oak Insurance Company
 
Our knowledge of Florida helps us better understand & serve the needs of our customers.

Superior Policy Service
Southern Oak provides service to policyholders through a statewide network of independent agents and adjusters that are located in your community. Our state-of-the-art policy administration system is web-based, so your agent has access to your policy information 24 hours a day, 7 days a week. Southern Oak staff stands ready to assist you with your homeowners insurance needs.

Claims Service: When You Need Us Most
You need Southern Oak most when you have experienced a loss to your home or belongings. We are dedicated to providing you with the very best in claims handling service through our statewide network of claims adjusters. Our claims managers and adjusters have extensive experience in the Florida marketplace. You can be assured that all efforts are made are made to provide you with a fair and timely settlement, so that you can rebuild and get back to normal.

In event of a catastrophe such as a hurricane, we work with our agents in the affected area to ensure they have the means necessary to service your needs related to your property loss. Depending on the severity of a storm, we may deploy to a centralized location to assist agents and customers with disaster recovery efforts.

How To Protect Your Home After a Loss
Taking these steps following a loss will protect your home and expedite the claims process.
  • Report your claim immediately by calling toll free 1-877-900-2280.
  • Make temporary repairs as necessary to prevent further damage and protect your property.
  • Take photos of the damage prior to making temporary repairs.
  • Keep detailed receipts and present them to the adjuster.
How Much Insurance Is Enough?
It is important to carry the proper amount of insurance. Your homeowner’s policy should cover the cost to rebuild your home (excluding land) and replace all of your contents in case your home is completely destroyed by a fire or other disaster.

The cost to repair or rebuild homes in Florida is increasing rapidly. Maintaining proper insurance coverage will reduce your potential out-of-pocket expenses in the event of a covered loss. Unfortunately, too many people discover they need more insurance after they file a claim. Protect yourself and avoid being under insured by contacting your agent today to discuss your specific insurance needs.

Homeowner Insurance Program Coverage
Our Florida Homeowners program covers:
  • Your home and any attached structures
  • Personal Property, including clothing, furniture and appliances
  • Detached structures such as a fence, tool shed or pool
  • Medical payments to people outside of your household who are injured in or around your home
  • Claims for property damage or bodily injury for which you are legally responsible (personal liability)
  • Costs above your normal living expenses in case you have to vacate your home (loss of use)
* You should contact your agent for details and specifics regarding your insurance policy and coverage amounts.
 
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