Southern Oak Insurance

No notice regarding no hazard insurance coverage

I needed a new home insurance company after Sunshine State closed it's doors in Florida and I was suddenly left with less coverage and a higher rate with another carrier without very much help from my agent. After comparing a few home insurance carriers I chose Southern Oak Insurance.

They were extremely helpful in explaining my coverages and making sure I had what I needed. Their rate was comparable to the other carriers, but after doing the research, Southern Oak gave me greater peace of mind that they would be there if something did happen to my home and I needed them. I recommend Southern Oak to all of my family and friends and I've even got a renters policy with them as well.

When I had questions about my policy prior to Hurricane Irma, I was able to speak to a representative immediately who assured me that I had everything I needed to protect my property and my valuables. They are a great company and I highly suggest people look past reviews and make their own determination about what's right for you.

Hurricane Irma - lost power for +24 hours. Had to throw out our refrigerated food.

Southern Oak now wants to physically walk our roof before they review the claim for loss in refrigerator food. Huh???? My refrigerator is not on my roof. What they want to do is give me written notice that my roof needs to be replaced before they give us $200+ in loss food.

We had no roof leaks during the storm and file roof compliant. Time to look for an attorney to file suit against them for fraudelant insurance practice, I will also file a complaint with the State of Florida insurance board.

Company increases rates claiming that they changed their software and Florida Insurance Protection (FLOIR) allows them to do as they please. There is no control from the state and the Southern Oak increases rates every year by about 10%.

Sorry to say that USAA uses the McNeal group agents that use Southern Oak and ASI in Florida. Both are terrible companies, and they have a variety of excuses not to cover or to pay for damages.

I never knew that a fence is a secondary structure, and unless I have coverage for storage outside my property, the fence is not covered in case of wind damage. Right now USAA started their own insurance in Florida, plus they added another insurance company for homeowners insurance, so I'm getting out from under Southern Oak before I throw up all over them.

My experience with Southern Oak has been outstanding. They had been our home insurer for a few years when we had a house fire.

We had a house to live in the next day, lease paid for the next 4 months until our home could be repaired. Over the course of the next 4 months they wrote $170K in checks to cover items lost in the fire and repairs. They never questioned any expense.

In my humble opinion and that of our construction company they have been a pleasure to work with. Maybe they didn't pay for some smaller issues, but when it comes time to really assist with a major problem, they will be there.

Southern oak insurance continuously threatens to stop covering our home. Evertime we fix one pityfull thing they threaten us about something else. Save yourself the headache and look for a different company.

Southern Oak Insurance Company. One of my tenants called and told me that her air conditioner was not working, it was in august i am not a slum lord so i called an air conditioning service that i was using for years.

(he has been in business for over 35 years) He went down and checked the air conditioner out. told me that it was a power surge. and that many components were bad. my tenant is on ssi the temperature was staying around 90-95 deg so she depended on air, it was almost as cheap to put in a new unit as it was to repair the old one.

so i told him to do it, called the insurance company that i have had since i owned the home. they told me to leave the old unit outside the house so that they could check it. so we did. they came out and checked it and told me that it was an older unit.

and the damage was caused by normal wear and tear. i took the paper work to the company that replaced my unit. they gave me a condition report on the unit. they said the unit has bad compressor, contactor, dual compacitor,time delay, and thermostat.this type of failure indicates the unit received a high voltage surge such as lighting which caused multiple electrical failures.

damage to this many electrical components is not common during normal operation. I sent that to the insurance company. they told me that there forensic tek. said that they checked it and everything was within working condition.

so i got a second opinion from another air conditioning company. at a cost of 140.00 and they told me the same as my air conditioning man did. now we are going to medigation. i was never once late on my payments for my insurance.

guess who they used and i think it is probably a scare tactic that they use to make people think that no insurance was paid. well they used a company called CatManDo Inc. from Donan. I looked into Donan and found out it was a school.

so i called and asked what would i have to do to get a certificate from them letting people know i was a forensic technician.

they told me i could do it through the computer school and it would cost me about 500 dollars.if anyone is reading this and they have a problem with southern oak paying out on claims. dont let the big words called forensic technician scare you.

They cannot set up direct payment or automatic payment. When I call I get a different answer each time.

Idiots, no idea how to Bill. Sent cancellation notice instead of Bill. Will cancel, just think how lousy they would be if you had a claim. Idiots, even their supervisors cannot answer simple questions.

The State Farm agent cannot get it right either. They are also worthless.

All I want to do is have the payment sent and debited from my account like every other insurance and other companies I pay. They cannot do this, program is not set up to Bill directly by debited my account.

Yes this Insurance company is garbage I also hard the insurance company for over 9 years and a pipe broke inside the wall the insurance should have cover the demage and the denied to pay for the demage to my home and that same third party Catmando company call me and gave me a hard time and keep me on the phone about 45 minutes asking me questions about the demage the same question that they have ask me before. They didn't repair my home from the demage and they drop me as a costumer but that was fine to drop me as a costumer but fix the demage to my home first, so mow I'm taking legal action against Southern Oaks Insurance Company and they are very expensive anyway I wouldn't recommend this company to anyone they are a scam.

Seriously, this insurance company collect money from me every months from 9 years from me. I have a claim this year and the same problem.

They give me so much hard time. I filed the claim, they send 3 different companies to check my house... They call all my friends for proof and this lady from third party scam company called catmando, Inc .. I don't even know if that is legal to act as an adjuster denied my claim....

This company is a SCAM.

If you have insurance with this company switch right away!!! SWITCH it right now.