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.
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
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
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.
AOBs transfer claim control to the contractor. Regret is common when contractor handling is poor.
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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Common problems answered.
See also
Other common problems
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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.
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