What do I do if
I signed an AOB and regret it.
AOBs transfer claim control to the contractor. Regret is common when contractor handling is poor.
I signed an AOB and regret it.
Root cause
Why this happens
AOBs transfer claim control to the contractor. Regret is common when contractor handling is poor.
Know the law
Your rights as a Florida policyholder
FS 627.7152 gives 14-day rescission rights with specific procedures.
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.
What to do
Solution steps
- 01
Step 1
Exercise 14-day rescission in writing if within window
- 02
Step 2
If beyond window, assert breach of contract if contractor performed poorly
- 03
Step 3
File DFS complaint against contractor for AOB-abuse patterns
- 04
Step 4
Consult attorney for material breach analysis
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
AOBs transfer your claim rights to the contractor. They can negotiate and receive payment directly. This was widely abused in the 2010s.
Sinkhole AOB abuse drove the 2019 AOB reform. Extremely risky assignment.
Post-storm AOB solicitation was heavily abused; FS 626.8696 now restricts it.
After AOB, contractor controls the claim. Disputes over scope or quality are difficult to resolve.
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
Relevant statutes
Carrier duties and deadlines.
Notice of claim deadlines.
Public adjuster representation rights.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
See also
Other common problems
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
Another situation Florida policyholders face mid-claim.
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.
Florida claim updates
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more