Southern Fidelity Insurance
Reviews and Complaints

I love this company and I have insurance industry experience. Every comment I am seeing here seems it is people who did not have their agents fully explain their policies to them. Insurance is not a cover everything that happens warranty. There are exclusions and limits and you have to be informed of you coverage.
There are also guidlines each company has for their business and Statues that must be followed. They cannot practice against these items without being shut down by the DFS so the fact they remain is business with out issue shows they are not "ripping people off" or "scamming " anyone out of anything.

Contact Morgan and Morgan Atty. at Law in Orlando or just Florida in general. They are taking on breach or false cases such as these that are mentioned from past experiences or past expectancies.

Absolute scam. We have been paying our monthly deductibles for over 5 years and never used the company. Now, when we need it after the hurricane - they require $5000.00 deductible. What have we been paying for all this time? Where did our money go? That is absolutely absurd! Never ever deal with this company. It should be destroyed.

Southern Fidelity Insurance is CORRUPT. They automatically took over my policy from another company. The renewals were also automatic and the billing was prompt and regular. Six years into their taking over the policy I submitted a claim for roof damage and leakage. The claim estimated at $6K, would have cost them $5K, with my $1K deductible. The claim was denied. Their claim was that the roof and the leak have been in existence before they took over the policy six years past. But they continue to offer "coverage" and bill me for the premium with no mention of any pre-existing damage and or exemption. I terminated the coverage and demanded premium refund for the year that I filed the claim (in effect for less than a month). Going to arbitration is a waste of time. I was never given a choice of who will be the arbitrator. It turned out that the arbitrator and company representative were well acquainted with each other, with the result in the company's favor. If your home insurance is with Southern Fidelity drop them. They have been ripping you off. They will deny your coverage when and if you ever file a claim.

I am very sorry I have them as my insurance company. I am a homeowner and Iwas sold a bill of goods that was a lie. They leaned very heavily upon the fact that they were in better financial health then the insurance company they would be replacing and that should have been a red flag that I didn't read correctly from day one! The reason they are in better shape is because the second year I had my policy they doubled my premium and I can't go to any other insurance company in my area. So I am trapped! I've had excellent service by my prior company and I did have a claim with fidelity they came look for reasons not to allow claim rather then the source of the claim. Their findings were wrong and I surrendered pursuing the claim past their inspection and findings because the claim would have been below my deductible anyway. My interest was to use their services to discover the cause and only after their reports were done and ( wrong) did I discover the real cause, and it would have been covered.
So, it kind of tells me what to expect if I were to have a large claim, And that would be the only time I would ever contact them again! God forbid it happens. I feel as if they have a money machine, taking premiums and ready to stand behind their lawyers.
If you have any other choice I would advise you to shop elsewhere for your insurance needs. Having them as your insurance company is like no insurance at all.

Called about some roof damage, had it assessed, paid for repairs out of pocket, then received a notice of non-renewal! Been given the run around on the phone - customer service then underwriting now waiting for a "manager" to return my call. What good is an insurance company that does not actually insure anything? Can't wait to hear back from them, but I'm not holding my breath!

Southern Fidelity is a HORRIBLE COMPANY! I've had these idiots for 7 years always having my $1200 a year premium paid on time. I never once filed a claim with them. Had a roof leak and called to make a claim and they sent out an adjuster, who was literally on my roof for less than 5 minutes because it started raining. Got a call saying the damages were not covered. I called to find out why not and was told that wind blew rain down my (s shaped) vent and that caused the leak. I was like huh. I called to get more of an explanation but was given a run round excuse. At the end of the day they wouldn't cover me then stated I would have to get the damage fixed soon or it would impact future claims. I argued and argued with these idiots and got nowhere. I finally told them I was getting a lawyer. Weeks later they send me a bill saying my $1200 premium is due soon. This made me angry. Lucky for me I paid off my mortgage so I let them cancel the policy. I feel bad for people who have to deal with them. I'm looking into a new company where I'll actually be covered if something happens and going the lawyer route on for that claim. Oh best part is that I have the same vent on my second bathroom that's the same age and no leaks there at the time of my claim. Now after the hurricane it began to leak there as well. I will never use them again. Run please. And I was steered towards them ( as someone else stated above) through Allstate. I'm going to have a talk with Allstate today about who they recommend and their worthiness to cover my other car and motorcycle policies

I had a flood in my home in 2014. The damages were well above 75, 000. Southern Fidelity sent me a check for $15, 000.00 It is almost three years later and I am still fighting them. They just sent me a proposal for $500.00. I am totally out done. I have had this company for 5 years.

Had a small flood from back hose leak through the wall and ruin my beautiful acacia floors, bathroom tile 6 mos ago. They lied to me and said I had to pay for all the repairs myself (thousands of dollars) and then they would pay for the "restoration". They sent a tiny check- not enough to cover one room, let alone all the hardwood floors, tile, painting, etc. Truly, what they sent was a tiny fraction of what was needed. Now comes the fun part. I had to sign over the check to my mortgage co who won't give me any of the money b/c I haven't had the work done. ? I couldn't afford to have all the work done if the mortgage company, Seterus, HAD sent me the money because it was not nearly enough and the mortgage co insists you do everything the insurance adjuster has written down must be done. We're talking maybe 20K of damage here, just a guesstimate. So----call a PUBLIC ADJUSTER. Maybe this is a Florida thing, but they seem pretty great so far. They go after the insurance co and mortgage co aggressively, they come into your home and do their own assessment of the damage (and find lots of things the insurance adjuster didn't - shocker!) and the PUBLIC ADJUSTER works for you to get what you need to simply make things "as they were" before. Incredible. SFI was rude, unfair and now I don't have to ever speak to them again. Should they show up at the door without my Public Adjuster, I can tell them to go away. I don't have to speak to them: by phone or mail. He and his company are taking care of everything. What does it cost? Well, in a way, nothing. Whatever you've already gotten from your ins company is yours, 100%. Whatever else they recover for you on top of that, they get 20% of. My P.A. company has an average of getting almost 50% more, but in some cases, much more than that. Depends on how much SFI is taking you to the cleaners. Looking forward to living without sickness, as the black mildew from the flood has worsened my child's asthma. I reported them to the Insurance Company that originally recommended them and they tried to help, but SFI wouldn't budge. The owner of the company that I purchased the policy from finally recommended that I get an attorney. I did some research, and this is the way to go.

I called SFIC today and felt like I had committed a crime. I told the representativr I felt like he was interrorgating me. We have been insured with them almost 12 yrs and never filed a claim. So, I decided to check the reviews and I can believe every word on here! I hope something can be done about this insurance company this is not fair.