Skip to main content

Cookies on BBB.org

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Cookie Preferences

Many websites use cookies or similar tools to store information on your browser or device. We use cookies on BBB websites to remember your preferences, improve website performance and enhance user experience, and to recommend content we believe will be most relevant to you. Most cookies collect anonymous information such as how users arrive at and use the website. Some cookies are necessary to allow the website to function properly, but you may choose to not allow other types of cookies below.

Necessary Cookies

What are necessary cookies?
These cookies are necessary for the site to function and cannot be switched off in our systems. They are usually only set in response to actions made by you that amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Necessary cookies must always be enabled.

Functional Cookies

What are functional cookies?
These cookies enable the site to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Performance Cookies

What are performance cookies?
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Marketing Cookies

What are marketing cookies?
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant content on other sites. They do not store personal information directly, but are based on uniquely identifying your browser or device. If you do not allow these cookies, you will experience less targeted advertising.

Find a Location

Southern Oak Insurance Company has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Country
    Please enter a valid location.
    • Southern Oak Insurance Company

      830 A1A North Suite 13-326 Ponte Vedra Beach, FL 32082

      BBB Accredited Business
    • Southern Oak Insurance Company

      1 Independent Dr Ste 114 Jacksonville, FL 32202-5005

      BBB Accredited Business

    Business ProfileforSouthern Oak Insurance Company

    Insurance Agency
    Multi Location Business
    BBB accredited business

    At-a-glance

    Customer Reviews

    1.05/5stars

    Average of 19 Customer Reviews

    Customer Complaints

    14 complaints closed in last 3 years

    5 complaints closed in last 12 months

    BBB Rating & Accreditation

    Accredited Since: 6/7/2016

    Years in Business: 19

    Customer Reviews are not used in the calculation of BBB Rating

    Overview of BBB Rating

    Overview

    Southern Oak Insurance Company is a Florida-based insurance company specializing in personal residential property coverage. It is a privately held company wholly owned and operated by Florida residents with home offices in Jacksonville, FL. The core strength of Southern Oak is its knowledge and understanding of the Florida Property Insurance Market with members of its executive team having over 100 years of insurance experience.

    Business Details

    This is a multi-location business.

    Find a Location

    Southern Oak Insurance Company has 2 locations, listed below.

    *This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

      Country
      Please enter a valid location.
      • Southern Oak Insurance Company

        830 A1A North Suite 13-326 Ponte Vedra Beach, FL 32082

        BBB Accredited Business
      • Southern Oak Insurance Company

        1 Independent Dr Ste 114 Jacksonville, FL 32202-5005

        BBB Accredited Business
      Location of This Business
      830 A1A North Suite 13-326, Ponte Vedra Beach, FL 32082
      BBB File Opened:
      5/31/2016
      Years in Business:
      19
      Business Started:
      9/20/2004
      Business Started Locally:
      9/20/2004
      Accredited Since:
      6/7/2016
      Licensing Information:
      This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
      BBB records show a license number of A158892 for this business, issued by Florida Office of Insurance Regulation

      These agencies may include:

      Florida Office of Insurance Regulation

      200 East Gaines St

      Tallahassee FL 32399

      (850) 413-3137

      Fax: (850) 4880699

      https://licenseesearch.fldfs.com/

      Type of Entity:
      Limited Liability Company (LLC)
      Alternate Business Name
      • Southern Oak Management LLC
      Business Management
      • Ms. Julie Wild, Vice President of Compliance
      • Julie Wild, Vice President of Compliance
      Contact Information

      Principal

      • Julie Wild, Vice President of Compliance

      Customer Contact

      • Julie Wild, Vice President of Compliance
      Additional Contact Information

      Fax Numbers

      • (954) 331-4848
        Primary Fax

      Phone Numbers

      Customer Complaints

      14 Customer Complaints

      Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

      File a Complaint

      Most Recent Customer Complaint

      03/12/2024

      Complaint Type:
      Service or Repair Issues
      Status:
      Answered
      I filed a claim for my roof since June of 2023 with Southern Oaks, we settled in October 2023, by law they had to send the money to the mortgage Company; who sent me a partial amount to begin the work. Per **************** after 70% of the work is complete , they would send an inspector to inspect the roof, then send me the remaining of the funds. The roofing company started working on my roof since 2/5, its been over 3 weeks now Southern oak have been trying to get in touch with the adjuster (*****************************) he has never return the call, even after stating he would be available on 3/5 Tuesday, so the roof is on hold pending confirmation of the roof estimate from southern oak . I spoke to his supervisor said only ******* can confirm the estimate. Im very disappointed . Please help
      Read More

      Customer Reviews

      19 Customer Reviews

      What do you think? Share your review.

      How BBB Processes Complaints and Reviews

      Start a Review

      Most Recent Customer Review

      Marisol C

      1 star

      02/20/2024

      Southern Oak is a horrible insurance company. They triple their premiums within a year, send "professionals" that clearly don't see mold or cracks. They expect their payments on time BUT like usual this insurance company will go above and beyond to NOT pay out on claims

      Local BBB

      BBB Serving Northeast Florida & The Southeast Atlantic

      BBB Reports On

      BBB reports on known marketplace practices.

      BBB Business Profiles may not be reproduced for sales or promotional purposes.

      BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

      When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

      BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

      As a matter of policy, BBB does not endorse any product, service or business.