Southern Fidelity Insurance

I had storm damage to my roof and it started leaking In March 2018. I called Southern Fedility and filed a claim. I've had this insurance company for over 12 years. I've never filed anything. They sent the adjuster out to assess my roof and interior damage. We had 60 MPH winds when my roof started leaking. The adjust took pictures of the ceilings and roof. Weeks go by and I called them asking about my claim because I need to get the damage fixed. NOTHING! I finally get a letter in the mail with a check for $2500 for the damages! Unreal! Even with my deductible my roof cost $11, 000 to fix and I've had 3 roofers assess the damages take pictures and submit them to Southern Fidelity. The $2500 will not even covering the cost to fix the ceilings! I've hired an attorney and if we get them to pay my claim the attorney is capped at $1000. I am so frustrated! The winds were so bad that 3 of my neighbors had to replace their roofs and my dryer vent blew off my roof. After this is settled I will get another home owners policy and do my research on the insurance company! DO NOT GET A HOMEOWNERS POLICY FROM SOUTHERN FIDELITY! I would rather pay a little more every year and have my home covered for a disaster or act of god!

My husband and I had to update some plumbing from the street water meter to the house. During that inspection he noticed we had extensive water and mold damage under the master bathroom. He told us about it and we called our contractor, then made a claim with our insurance company. It would cost us over $15, 000 to gut the entire bathroom and get rid of the mold issue. New plumbing was needed, walls, floors, shower, shower tile and floor tile had to be replaced. The insurance adjustor came by the house, didn't want to crawl under the house as he "had such nice clothes on!" So he based his interpretation on the few blurry photos that were taken by the previous plumber. Then Southern Fidelity said it was time for us to renew our annual policy. So we did. Just when they received our renewal $$$, they DENIED the claim. Said they didn't cover that type of damage.
Just a warning to anyone thinking about using this insurance company...DON'T!

Homeowners insurance was required by a mortgage company. That insurance was purchased. A home inspection was conducted and passed, by a licensed inspector. An inspection report and photographs were submitted to this insurance company. Approximately one and a half months later this insurance company advised us by e-mail that our policy was to be terminated because of unacceptable plumbing. We returned to the home, hired a licensed contractor [plumber] and paid for replacement plumbing. We were advised by the licensed contractor that there was absolutely nothing unacceptable with the original plumbing. We were steered to this insurance company by a local agent who assured us that it was a very reputable company. That is apparently not the case at all.

My home caught fire due to lighting. I have Insurance with SFIC. The fire was on a Saturday morning. When I called in my claim hours after the fire the Company Rep stated that someone would be in touch with me on the Monday. On the Tuesday I called into the Dept to get some Information on what the status was and what would be our next step, the response was an ajuster would get with me within the next 72 hours. My family of seven slept on the floors of a family members home for & nights because the ajuster stated my policy did not cover hotels. Well he lied. This company sent an ajuster that came took pictures and left EVERYTHING else for me to do. I had to find repair companys clean up companys I was even promised an allowance for the cleaning I did. As of today the Ajuster has turned my claim over to the processing center for final reveiw. My home has yet to be cleaned repaired. This insurance company and the people that work for it are useless. My advice if you have the opition to go with another company do so. Please take the protection of property to another company. Why have insurance if this what you get in return when you think your protected?