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Division Director

Toma Wilkerson

Assistant Division Director

Mary Linzee Branham

Division of Rehabilitation and Liquidation
Alexander Building
2020 Capital Circle SE
Suite 310
Tallahassee, FL 32301

Summary of Liquidation Plan
Southern Family Insurance Company

If you had Poe Coverage, your insurance coverage with the Poe Insurers ends at 12:01 a.m. on July 1, 2006.

Under your Poe Coverage, FIGA will handle losses occurring on or before 12:01 a.m. on July 1, 2006.

A Citizens Transition Coverage automatically picks up coverage for an Eligible Policyholder beginning July 1, 2006 and ending on the date that coverage would have ended under the Poe policy.

Citizens Transition Coverage uses the existing forms and premiums of the Poe Insurers.

Any policyholder that is eligible for Citizens Transition Coverage is not required to file an application and does not need to pay any premium already paid to the Poe Insurers.

All Poe policyholders are eligible for Citizens Transition Coverage, except:

  • A policyholder who has received an offer of coverage from an admitted carrier.
  • A commercial lines policyholder, including condo associations, with an aggregate building limit of $25 million or greater.
  • A policyholder who has obtained replacement coverage with another insurance company.
  • A policyholder whose coverage was cancelled by a Poe Insurer for non-payment of premium or underwriting reasons, or at the policyholder’s request.
  • Coverage written on a form that Citizens does not write, e.g., flood and personal umbrella.


Policyholders ineligible for Citizens Transition Coverage may contact their agents to see if they qualify for “Citizens Regular Coverage” under Citizens regular forms and premiums.

Over a twelve-month period, upon the expiration of Citizens Transition Coverage, policyholders must apply for Citizens Regular Coverage under Citizens regular forms and premiums.

Policyholders should not pay renewal premiums to the Poe Insurers for renewal coverage that begins after June 30, 2006.

  • For policyholders who have already paid their renewal premium to the Poe Insurers for renewals occurring July 1, 2006 or later, the Receiver has mailed refunds of such premiums to the policyholders, so that these monies can be used to obtain regular coverage with another insurance company or with Citizens.