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.
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What kind of damage?
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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
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Similar scenarios
Related problems
A contractor is pressing me to sign an Assignment of Benefits.
AOBs transfer your claim rights to the contractor. They can negotiate and receive payment directly. This was widely abused in the 2010s.
A stabilization company wants me to sign an AOB.
Sinkhole AOB abuse drove the 2019 AOB reform. Extremely risky assignment.
A roofer is pressuring me to sign an AOB after a storm.
Post-storm AOB solicitation was heavily abused; FS 626.8696 now restricts it.
Contractor is holding my claim hostage.
After AOB, contractor controls the claim. Disputes over scope or quality are difficult to resolve.
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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 later.
Know the law
Relevant statutes
FS 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
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See also
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Mechanical room damage not scoped.
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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?
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