SOUTHERN OAK INSURANCE COMPANY
PONTE VEDRA BEACH, FLORIDA

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. We are committed to providing policyholders with exceptional service. Our policyholders have the ability to log into mySouthernOak where they can manage their policies, choose electronic delivery of documents, and make payments at their convenience, anytime day or night. Southern Oak believes that operating a business in Florida is more than just providing services. Southern Oak is an active member of the Florida community while also partnering with many Florida charities. Southern Oak provides homeowners coverage through a statewide network of independent agents. Additionally, our extensive network of experienced claims professionals ensures that Southern Oak Insurance will be there when you need us most. Southern Oak Insurance Company has been assigned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc. Regardless of the severity of a general economic downturn or deterioration in the insurance cycle, insurers earning a FSR of A possess exceptional financial stability related to maintaining surplus as regards policyholders at an acceptable level. Our financial position is furthered strengthened by reinsurance companies approved by the Florida Department of Insurance, and with an A.M. Best Financial Strength Rating between “A-“ and “A++”. As a first time home buyer, I didn't know anything about home owners insurance. Justin Ross was not only patient but explicitly clear even when drawing up my quote. There were no hidden costs because he explained everything, including ways I could improve my home to improve some rates in the future. His transparency helped me come to a decision quickly. – Gina C. Southern Oak’s executive team is comprised of experienced insurance professionals who all have backgrounds in Finance, Risk Management, Banking, Compliance, and who have worked at top Property and Casualty companies in the past. Combined, Southern Oak’s management team has over 100 years of experience in all operational areas of insurance. Equally important is the fact that the members of Southern Oak’s executive team are all Florida residents (many of whom are life-long residents), affording the company a unique connection to its policyholders, and directly contributing to Southern Oak’s position as one of the top rated insurance companies in the state. Mr. Loughman has over 21 years of insurance experience. As founder and CEO, he has overseen all aspects of the company. Prior to Southern Oak, his career included the positions of Claims Adjuster, Underwriter, Insurance Analyst, Underwriting Operations Manager, Director of Corporate Underwriting and Agency Administration, and Chief Underwriting Officer. Mr. Loughman holds the Chartered Property and Casualty Underwriter (CPCU) and Associate in Risk Management (ARM) designations as well as a Bachelor of Science in Finance from Jacksonville University, and a Masters Degree in Business Administration from The University of North Florida. Mr. Natherson has been a member of the Southern Oak management team since the company’s inception and has over 15 years of experience in the property and casualty insurance industry. He oversees all claims operations, corporate marketing, sales, and community relations. Previously, Mr. Natherson served as Director of Agent and Consumer Services for Florida Windstorm Underwriting Association (FWUA) and Citizens Property Insurance Corporation. Additionally, he was Vice President of Seda Construction, heading up the Insurance Restoration Division where he ran many direct repair programs and developed innovative customer feedback mechanisms related to the restoration of homes and businesses following an insurance loss. Mr. Kutzer has been a member of the Southern Oak management team since the company’s inception. He has over 18 years of insurance accounting experience and 36 years general business accounting experience. Previously, Mr. Kutzer served as the Treasurer for Florida Windstorm Underwriting Association where he oversaw the Accounting and Finance Departments, managed capital assets, and handled claims bonding and reinsurance transactions. He is a Certified Public Accountant, and holds a Bachelor of Business Administration in Accounting. “Financial reporting is extremely important to our company and our policyholders. I want everything to be 100% accurate, on time, and relevant.” Mrs. Chaney has been with Southern Oak Insurance since 2011 and has over 27 years of property insurance experience within the underwriting and product development discipline including 11 years in a managerial role. She oversees underwriting and customer service operations and has extensive experience in hurricane modeling analysis, as well as developing strategies for wind exposure and wind mitigation programs. Additionally, she is involved with rate and form filings on behalf of Southern Oak and the development of products and changes to Southern Oak policies. Prior to joining the Southern Oak management team, Mrs. Chaney was the Director of Product Development for Citizens Property Insurance Corporation. She holds a Bachelor of Science degree in Business Management with high honors from the University of Phoenix. “I love the underwriting process and the product development side of property insurance. I enjoy working on things that make the process of buying or understanding insurance better and working with us easier.” My agent has been helpful My agent has been helpful and easy to connect with. –Rachael F. My agent has been helpful My agent has been helpful and easy to connect with. –Rachael F.