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.
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
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
No obligation. No fee unless recovery.
Licensed Florida public adjuster. No fee unless we recover more.
Similar scenarios
Related problems
Sinkhole AOB abuse drove the 2019 AOB reform. Extremely risky assignment.
Post-storm AOB solicitation was heavily abused; FS 626.8696 now restricts it.
AOBs transfer claim control to the contractor. Regret is common when contractor handling is poor.
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
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See also
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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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