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HOME / DENIALS / THE ARCHIVE / SOUTHERN-OWNERS
5 FILINGS IN THE ARCHIVE

Southern-Owners: the denial record

5 of the 1,891 Florida property claim-denial filings we read name this insurer. Here is what those filings describe and where to read each one.

How many Florida claim-denial filings name Southern-Owners?

5 of the 1,891 Civil Remedy Notices over denied Florida property claims name Southern-Owners. Counts follow book size as much as behaviour: a carrier with more Florida policies collects more filings.

Filings naming this insurer 5 of 1,891
Median repair figure named $3,215,233
Later withdrawn or resolved 0
Most common allegation The claim that never gets decided (3)
What these are Allegations by policyholders, not findings by a court
UPDATED AUGUST 23, 2026
01WHAT THESE FILINGS DESCRIBE
The claim that never gets decided 3 Storm damage called age 1 The estimate that comes in low 1 The claim file you cannot get 1 Blamed on how it was built 1
02EVERY FILING, LARGEST FIGURE FIRST
Southern-Owners 10/7/2024 $3,215,233

As a result of [name redacted] 's improper and defective work, Mr. [name redacted] suffered $3,215,233.64 in damages, including a significant amount of resulting property damage.

Read filing 786078 ↗
Southern-Owners Hurricane and wind 11/14/2024 $212,808

Current estimates show an annual revenue of $212,808 in 2024, with three employees, including the individual [name redacted] at a single location.

The estimate that comes in low Storm damage called age The claim that never gets decided Blamed on how it was built
Read filing 792362 ↗
Southern-Owners Viera Business interruption 10/9/2024

The Insurer failed to issue a timely coverage decision since the reporting of the claim and the Insureds and/or its representatives repeatedly requested coverage but Insurer failed to respond timely to Insured's communication.

The claim that never gets decided
Read filing 786278 ↗
Southern-Owners Miami Condo and HOA 11/12/2024

On October 21, 2024, [name redacted] wrote to Southern to dispute the denial but Southern has not reversed its decision.

The claim file you cannot get
Read filing 791635 ↗
Southern-Owners Miami Condo and HOA 11/27/2024

The CRN contains generic and vague allegations without sufficiently specific facts.

The claim that never gets decided
Read filing 794431 ↗

Each row is a complaint filed by a policyholder against an insurer. The figure is the largest amount the filing names, usually an independent estimate of the repair. Nothing here is a finding by a court or by the Department.

Source: Florida Department of Financial Services, Civil Remedy Notices of Insurer Violations, reason Claim Denial. Names, addresses and claim numbers are removed. Search the whole archive →

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