What do I do if
Contractor is holding my claim hostage.
After AOB, contractor controls the claim. Disputes over scope or quality are difficult to resolve.
Contractor is holding my claim hostage.
Root cause
Why this happens
After AOB, contractor controls the claim. Disputes over scope or quality are difficult to resolve.
Know the law
Your rights as a Florida policyholder
AOB contract terms govern. Breach of contract remedies may apply if contractor fails to perform.
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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
Document all contractor communications
- 02
Step 2
Review AOB for scope and deadline terms
- 03
Step 3
Demand performance in writing with cure period
- 04
Step 4
Pursue breach of contract remedies if cure window passes
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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.
I signed an AOB and regret it.
AOBs transfer claim control to the contractor. Regret is common when contractor handling is poor.
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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Free claim review
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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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