What do I do if
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 contractor is pressing me to sign an Assignment of Benefits.
Root cause
Why this happens
AOBs transfer your claim rights to the contractor. They can negotiate and receive payment directly. This was widely abused in the 2010s.
Know the law
Your rights as a Florida policyholder
Florida Statute 627.7152 (post-2019 reform) heavily restricts AOBs, requires specific language, and gives you a 14-day rescission window. Post-disaster AOBs are further restricted under FS 626.8696.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Do not sign on the spot
- 02
Step 2
Read every word before signing
- 03
Step 3
Wait at least 48 hours
- 04
Step 4
Get a licensed public adjuster's opinion
- 05
Step 5
If already signed, exercise 14-day rescission if within window
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Similar scenarios
Related problems
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.
I signed an AOB and regret it.
AOBs transfer claim control to the contractor. Regret is common when contractor handling is poor.
Contractor is holding my claim hostage.
After AOB, contractor controls the claim. Disputes over scope or quality are difficult to resolve.
Free claim review
Still building your claim? We can help right now.
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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- ✓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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