What do I do if
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.
A roofer is pressuring me to sign an AOB after a storm.
Root cause
Why this happens
Post-storm AOB solicitation was heavily abused; FS 626.8696 now restricts it.
Know the law
Your rights as a Florida policyholder
FS 626.8696 restricts post-declared-emergency solicitation. FS 627.7152 gives rescission rights.
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.
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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 any document same-day
- 02
Step 2
Get a public adjuster opinion first
- 03
Step 3
Verify roofer is licensed and in good standing
- 04
Step 4
If already signed, exercise rescission if within 14-day window
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.
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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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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