For Contractors
Florida Assignment of Benefits Reform: What Changed
Post-2019 AOB reform changed how contractors can engage with insurance claims. FS 627.7152 governs. Know the new rules.
Post-2019 AOB reform changed how contractors can engage with insurance claims. FS 627.7152 governs. Know the new rules.
Context
Overview
Florida reformed AOBs in 2019 after widespread abuse. AOBs now require specific language, a 14-day cooling-off period, itemized estimates upfront, and restrictions on fee structures. Non-compliant AOBs are void.
How it works
Workflow
- 01
Step 1
Review FS 627.7152 for current AOB requirements
- 02
Step 2
Ensure your AOB includes mandated language
- 03
Step 3
Provide itemized estimate before signing
- 04
Step 4
Honor the 14-day rescission window
- 05
Step 5
Do not use AOBs in post-disaster restricted windows (FS 626.8696)
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Avoid these
Common mistakes
- XUsing pre-2019 AOB forms (non-compliant)
- XSkipping the itemized estimate
- XPushing AOB on storm-day solicitation (restricted)
- XIgnoring rescission rights
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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