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.
Review about: Southern Oak Insurance Homeowners Insurance.
Reason of review: Pricing issue.
I didn't like: Price increases and coverage excuses.