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)
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 next.
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
No obligation. No fee unless recovery.
Build referral relationships with a licensed Florida public adjuster.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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 next.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
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Every common denial reason explained.
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For professionals
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Another guide for contractors, realtors, and property managers.
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Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 next.
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