Glossary · legal
Assignment of Benefits
A signed document transferring your claim rights to a contractor.
AOB lets a contractor (roofer, water restoration company, etc.) negotiate directly with your insurance carrier and receive payment. Florida Statute 627.7152 now heavily regulates AOBs after abuse in the 2010s.
Example. A roofer who asks you to sign an AOB after a hurricane is asking for your claim rights. Read everything. Consult a public adjuster first.
In practice
Where you encounter "Assignment of Benefits" in Florida claims
Policyholders see "Assignment of Benefits" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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Know these too
Related terms
Subrogation
Your carrier recovering from the at-fault party after paying your claim.
Proximate Cause
The dominant cause of a loss in a chain of causation.
Florida Statute 626.854
Defines and licenses public adjusters in Florida.
Florida Statute 627.70131
Sets carrier duties and deadlines.
Florida Statute 627.70132
Sets the notice-of-claim deadlines.
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Where else this term matters
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Glossary
Related insurance terms
Deductible
Related glossary entry: Deductible.
Pack-Back
Related glossary entry: Pack-Back.
Fair Rental Value
Related glossary entry: Fair Rental Value.
Quick-Pay Discount
Related glossary entry: Quick-Pay Discount.
Civil Remedy Notice (CRN)
Related glossary entry: Civil Remedy Notice (CRN).
Wind Mitigation Form
Related glossary entry: Wind Mitigation Form.
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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.
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