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Important Pool Safety Tips for Summer

June 29, 2017 at 12:17 pm | No comment | Category: family safety

The hottest days of summer are here and millions are flocking to the community and backyard pools. Refreshing water cools down your friends and family, making an enjoyable day for all. For all the fun and relaxation that pools and spas provide, they also come with their share of danger. Everyone should respect the rules and watch out for each other around the water to ensure a safe and happy time.

What to Know About AOB Fraud This Storm Season

June 26, 2017 at 9:35 pm | No comment | Category: Assignment of Benefits, family safety, Storm Season

assignment of benefitsAOBs have been available in the state of Florida for over 100 years. However, through the decades, many have found loopholes in the system, which have not only resulted in an increase in insurance costs for homeowners but also cases of fraud.

What is an AOB?

For those who aren’t familiar with AOB, Assignment of Benefits (AOB) is an agreement between a homeowner and an insurance company. This agreement stipulates that all rights, benefits, and financial interest within a policy are transferred to a third party. The insurance company becomes responsible for making payments to the contracted third party for any repairs related to a claim.

Storm Preparation to Avoid Scams

storm seasonIt happens all too often. A vicious storm wipes through the region, causing damage to trees, vehicles, and homes. Maybe you were one of the victims, or maybe you were one of the lucky ones. A day or two following the storm, your family was approached by an individual offering to inspect your roof, replace the crack in your windshield or trim the tree in your front yard – for FREE. The individual holds out a form asking you to sign, promising to work with your insurance company so you don’t have to worry about a thing. Without giving it much more thought, you sign the form. You just became a victim of AOB fraud.

Is Your Home Ready for Hurricane Season?

June 1, 2017 at 1:26 pm | No comment | Category: family safety, Storm Season

storm seasonIt goes without saying that June 1 has a special meaning to Floridians: the start of the Atlantic Hurricane Season. According to the  National Oceanic and Atmospheric Administration, it’s shaping up to be “above average”, with  11-17 named storms! Besides those 17 tropical storms and hurricanes, NOAA notes there will be many other storms that can cause significant damage, especially for those living in the coastal states like Florida.

When it comes to preparing for the upcoming months of unpredictable weather, there’s no time like the present to make sure your home is ready to weather the storms. Here are three important steps to take now to make sure your property is protected:

Best Places to Live in Florida

May 23, 2017 at 3:44 pm | No comment | Category: family safety, Home Buying, Homeowner's Insurance

happy-family-legitIf you’re considering a move to the Sunshine State, Florida residents will be quick to tell you that the quality of life is one of the highest, with a warm climate year-round and numerous beaches to choose from. When determining which city is right for your family, you should take into account amenities, schools, and crime rate. The lower the crime rate, the better the insurance rates you’ll most likely receive, as insurance coverage depends a lot on the area you’re residing. Keep these 9 cities in mind when deciding where to move, and live happier!

Roofing Fraud & AOB – How to Protect Yourself

assignment of benefitsRoofing fraud is alive and well, and some contractors might try and take your money and run. The situation you could find yourself in can seem legitimate, however you need to be wary of a contractor claiming to take care of everything, including your insurance policy. These are specific warning signs you need to keep in mind when it comes to AOB fraud and roofers:

Home Renovations to Improve Insurance Costs

March 31, 2017 at 6:34 pm | No comment | Category: family safety, Homeowner's Insurance, Liability

homeowners insuranceAre you a homeowner who is looking to make improvements to your home and thinking about investing in some exciting renovation projects? Renovations can make your home look and feel better. When thinking about home renovations, it’s a good idea to also consider the effects it may have on your homeowner insurance costs. Some renovations may result in an insurance increase, while others will result in a decrease in premium costs. We can help you get a better understanding on how your insurance rates may change when making changes to your home.

AOB Legislative Overview

March 24, 2017 at 6:39 pm | No comment | Category: Assignment of Benefits, family safety, Homeowner's Insurance

assignment of benefitsInsurance fraud is on the rise in Florida, especially during storm season when insurance claims are high. However, help is on the way to protect homeowners from shady contractors who have bilked insurance carriers and policyholders out of millions of dollars!

In February, the Florida legislature drafted a bill that addresses the Assignment of Benefits (AOB) clause found in homeowners insurance policies. The AOB allows an insured to assign policy rights to a third party. By doing so, the homeowner can no longer deal directly with the insurance carrier in the event of a claim. Once a homeowner gives up those rights, the policyholder allows claims to be paid directly to contractors. Claims adjusters can only legally negotiate with the contractor. Some home repair firms have been cashing claims checks without making any repairs to the insured’s home – which is then cited as AOB fraud. The bill seeks to crack down on the illegal practice.

These Factors Could Affect Insurance Costs

February 27, 2017 at 10:15 pm | No comment | Category: family safety, Homeowner's Insurance, Liability

homeowners insuranceHome insurance is a necessary expense that comes with owning a home. Homeowners insurance will cost the average person hundreds or even thousands of dollars per year. There are plenty of factors that contribute to the price you’re paying – whether it be your furry friend living with you or having an alarm system.

Whether you’re getting an insurance policy for your first home or renewing your current homeowners insurance policy, you may be able to substantially reduce your insurance rate by following a few simple guidelines.

Home Safety For the Holidays

December 12, 2016 at 8:34 pm | No comment | Category: family safety, Homeowner's Insurance

Families all around Florida are ready for holiday travel and thieves are already on the prowl looking for opportunities. home-theftChristmas is a figurative gold mine for them. Whether it’s you who goes out of town or your family of snowbirds traveling south to escape the cold, everyone should be encouraged to take precautions and protect their home and valuables. Southern Oak Insurance suggests you check with your homeowners insurance company to make sure you have the proper coverage in the event a theft does occur.

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