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File A Claim
View Policy/Billing
Pay My Premium
View/Edit Personal Info
Claims
About Us
Why Southern Oak?
Why More Families Choose Southern Oak
Why More Agents Choose Southern Oak
Southern Oak Insurance Company Reviews
Disaster Preparedness Plan
Become An Agent
Meet the Team
STORM CENTER
Safety Tips
Policyholder Blog
Agent Blog
Home Inventory Checklist
Watch Our Commercial
In The News
Policy Types
Homeowner’s Insurance
Renter’s Insurance
Rental Dwelling Property Insurance
Condo Unit Owners Insurance
Southern Oak Flood Insurance
Policy Add-Ons
Identity Theft Coverage
Policy Discounts
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Get A Quote
Roof Shape
Roof Cover
Florida Building Code (FBC) Equivalent – Asphalt roof coverings installed in accordance ASTM D 3161 (modified for 110 mph) or Miami Dade County PA 107-95.
Non- Florida Building Code (FBC) Equivalent – Asphalt roof shingles not meeting requirements listed above for FBC Equivalent and all other roof covering types.
Reinforced Concrete Roof Deck - A roof structure composed of cast-in-place or pre-cast structural concrete designed to be self-supporting and integrally attached to wall/support system.
Opening Protection
Class A – Hurricane Impact
Class B – Basic Impact
Roof to Wall
Toe-Nail: Nails driven at angle through rafter/truss and attached to top plate of a wall
Clips: Metal clips installed on each truss/rafter that attach to the side only of the truss/rafter and wall frame.
Single Wraps: Metal straps installed on each truss/rafter that wrap over the top of the truss/rafter and attach to wall frame in one location
Double Wraps: Metal straps installed on each truss/rafter that wrap over the top of the truss/rafter and attach to wall frame in two locations.
Roof Deck
Definitions from per Wind Mitigation Form OIR-B1-1802 (Rev. 01/12). If unknown, select N/A and submit.
A. Plywood/Oriented strand board (OSB) roof sheathing attached to the roof truss/rafter (spaced a maximum of 24” inches o.c.) by staples or 6d nails spaced at 6” along the edge and 12” in the field. -OR- Batten decking supporting wood shakes or wood shingles. -OR- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that has an equivalent mean uplift less than that required for Options B or C below.
B. Plywood/OSB roof sheathing with a minimum thickness of 7/16”inch attached to the roof truss/rafter (spaced a maximum of 24”inches o.c.) by 8d common nails spaced a maximum of 12” inches in the field.-OR- Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that is shown to have an equivalent or greater resistance than 8d nails spaced a maximum of 12 inches in the field or has a mean uplift resistance of at least 103 psf.
C. Plywood/OSB roof sheathing with a minimum thickness of 7/16”inch attached to the roof truss/rafter (spaced a maximum of 24”inches o.c.) by 8d common nails spaced a maximum of 6” inches in the field. -OR- Dimensional lumber/Tongue & Groove decking with a minimum of 2 nails per board (or 1 nail per board if each board is equal to or less than 6 inches in width). OR Any system of screws, nails, adhesives, other deck fastening system or truss/rafter spacing that is shown to have an equivalent or greater resistance than 8d common nails spaced a maximum of 6 inches in the field or has a mean uplift resistance of at least 182 psf.
D. Reinforced Concrete Roof Deck.
E. N/A:
Secondary Water Resistance
SWR (also called Sealed Roof Deck) Self-adhering polymer modified-bitumen roofing underlayment applied directly to the sheathing or foam adhesive SWR barrier (not foamed-on insulation) applied as a supplemental means to protect the dwelling from water intrusion in the event of roof covering loss. A Wind Mitigation Certificate is required for this option (OIR-B1-1802 (Rev. 01/12). If no certificate is available, choose NO.
Hurricane Deductible
An amount a homeowner must pay before insurance will cover the damage caused by a hurricane.
All Other Perils Deductible
An amount a homeowner must pay before insurance will cover the damage caused by all other perils.
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Agency Quotes should be done via the Agent Portal Workbench
First Name
Last Name
E-mail
Phone number
How Did you hear About Southern Oak Insurance?
- Please Select -
Independent Agent Recommendation
Television Advertisement
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Social Media
Referral
Other
Quote Comparison Sheet
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Policy Type
Home/Dwelling (HO3)
Renter Policy (HO4)
Condo Unit (HO6)
Rental Property (DP3)
Effective Date
Street Address
City
Zip Code
Florida
County
- Please Select -
Alachua
Baker
Bay
Bradford
Brevard
Broward
Calhoun
Charlotte
Citrus
Clay
Collier
Columbia
Dade
Desoto
Dixie
Duval
Escambia
Flagler
Franklin
Gadsden
Gilchrist
Glades
Gulf
Hamilton
Hardee
Hendry
Hernando
Highlands
Hillsborough
Holmes
Indian River
Jackson
Jefferson
Lafayette
Lake
Lee
Leon
Levy
Liberty
Madison
Manatee
Marion
Martin
Miami-Dade
Monroe
Multiple Counties
Nassau
Okaloosa
Okeechobee
Orange
Osceola
Palm Beach
Pasco
Pinellas
Polk
Putnam
Santa Rosa
Sarasota
Seminole
St. Johns
St. Lucie
Sumter
Suwannee
Taylor
Union
Volusia
Wakulla
Walton
Washington
Construction Year
Square Feet
Construction Type
- Construction Type -
Frame
Masonry
Masonry Veneer
Aluminum Siding
Plastic Siding
Fire Resistive
Masonry Non Combustible
Non Combustible
Hardiplank
Amount of dwelling coverage based on estimated replacement cost. *For HO4 quotes, enter the amount of Personal Property/Contents coverage.
Hurricane Deductible
Hurricane Deductible
500
2%
5%
10%
Ex Wind
All Other Perils Deductible
All Other Perils Deductible
500
1000
2500
5000
So we may provide you with the most accurate quote, please give us some additional information about your roof. If you are unsure of any questions, skip this section and click “submit” to proceed. * Not applicable for HO4 quotes.
Roof Shape
Gable
Flat
Hip
N/A
Roof Cover
Non FBC Equivalent
FBC Equivalent
Reinforced Concrete Roof Deck
N/A
Opening Protection
None
Class A
Class B
Class C
Roof to Wall Attachments
Toe Nails
Clips
Single Wraps
Double Wraps
N/A
Roof Deck Attachment
A – 6d @ 6” / 12”
B – 8d @ 6” / 12”
C – 8d @ 6” / 6”
Wood Deck – Type II only
Metal Deck – Type II or III
Reinforced Concrete Roof Deck
N/A
Secondary Water Resistance
No
Yes
N/A
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