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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.

Holiday Accidents & Insurance – Are You Covered?

December 9, 2016 at 9:44 pm | No comment | Category: family safety, Homeowner's Insurance

homeowners insuranceThe holidays are both a magical and dangerous time of year. Pets and kids run amok and drinks are spilled after Uncle Bill’s third telling of the time he went to Salt Lake City. When friends tell stories about their own mishaps, it rarely comes with a detailed explanation of what their homeowners insurance would and would not
cover either. Before you end up paying for an incident that could have been covered by the right insurance policy, boost your home safety with the following facts. 

Take the Stress Out of Holiday Travel

December 7, 2016 at 8:57 pm | No comment | Category: family safety, Homeowner's Insurance

holiday travelPreparing for travel over the holidays can make people simultaneously anxious and excited. You’re balancing how fun it will be to have family meet your new bundle of joy versus how much your fellow airline passengers will appreciate your precious cargo. When you start feeling overwhelmed, keep these tips in mind for easier travel.

Theft and the Holidays: Are you Covered?

November 23, 2016 at 3:39 pm | No comment | Category: family safety, Homeowner's Insurance

theft-300x175The holidays are a wonderful time for criminals to plot out their next great score. This is a time of year when everything changes: mall trips become more frequent, kids come home for Christmas, and we start preparing to host our many relatives. There are big incentives for thieves in November and December, and Southern Oak wants you to know more about how insurance works to protect you and your family in different situations.

Home Insurance – Does Yours Cover Fallen Trees?

November 4, 2016 at 6:31 pm | No comment | Category: family safety, Homeowner's Insurance, Liability

family safetyThe holidays are just around the corner but Florida homeowners know that hurricane season is here for a few more weeks. Even though it’s time to start planning for your winter parties, bad weather could make it hard to get in the holiday spirit. For many homeowners, fallen trees are one of the most common issues that come up during hurricane season. Make sure you’re prepared for fallen trees with regular home maintenance steps and the best homeowners insurance coverage from Southern Oak Insurance.

Halloween Safety Tips for the Family

October 24, 2016 at 8:55 pm | No comment | Category: family safety, Homeowner's Insurance

Halloween is one of the most anticipated holidays of the year if you are a child. Dressing up, being outside with friends, family and tons of candy are enough to make any kid boil over with excitement. Keeping family safety in mind ahead of time can help produce a safe and memorable holiday for everyone. Here are 5 important tips to consider:

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