08/21/2026
Call Wheeler Insurance for all of your Homeowners insurance needs
352-307-6666
Building costs in Florida went up sharply over the last several years. Labor, materials, permitting — all of it got more expensive, and it has not fully come back down.
Most homeowners set their dwelling coverage when they first bought their policy and have not revisited it since. If that was three or four years ago, there is a real chance that limit falls short of what it would actually cost to rebuild today.
That shortfall does not surface until you file a claim. At that point there is nothing you can do about it.
A quick call with a Southern Oak agent takes about 15 minutes and can tell you whether your coverage still matches today's rebuild costs. It is free and it is worth knowing before storm season gets any further along.
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