Southern Oak
A Florida-domiciled property insurer offering homeowners coverage exclusively in Florida. Southern Oak distributes through independent agents and focuses on residential property insurance.
Headquarters
Clearwater, Florida
Claims phone
Check carrier website for current claims number
Website
www.southernoak.comXactimate
Uses Xactimate for estimates
What Southern Oak is known for
- Florida-only homeowners insurer
- Independent agent distribution
- Residential property focus
Filing a claim with Southern Oak
Practical tips for restoration professionals working Southern Oak claims.
Southern Oak is a Florida-only carrier with adjusters experienced in storm damage. Present your scope professionally.
Include Florida building code requirements in your Xactimate estimate.
Submit complete photo documentation with supplement requests.
Work through the independent agent to facilitate claims communication.
Working with Southern Oak in Xactimate
Southern Oak adjusters write their property damage estimates in Xactimate. When you receive their scope, you can import it into Xactimate and run a line-by-line comparison against your own estimate. Focus on missing line items, incorrect quantities, outdated pricing, and omitted code upgrades. If you start with a PDF estimate from Southern Oak, CapOut can convert it to an ESX file so you can load it directly into Xactimate for comparison.
Common deductible types
Frequently asked questions
Southern Oak Insurance operates exclusively in the state of Florida, providing homeowners coverage through independent agents.
Visit southernoak.com for current claims contact information, or contact your independent agent.
Yes. Southern Oak adjusters use Xactimate for property damage estimates.
Convert your Southern Oak PDF to ESX
Upload a PDF estimate from Southern Oak. CapOut processes it and sends it directly to your Xactimate account.
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