What do I do if
A stabilization company wants me to sign an AOB.
Sinkhole AOB abuse drove the 2019 AOB reform. Extremely risky assignment.
A stabilization company wants me to sign an AOB.
Root cause
Why this happens
Sinkhole AOB abuse drove the 2019 AOB reform. Extremely risky assignment.
Know the law
Your rights as a Florida policyholder
FS 627.7152 requires specific language and 14-day rescission. FS 626.8696 restricts post-emergency solicitation.
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
- 02
Step 2
Consult a licensed Florida public adjuster
- 03
Step 3
If already signed, exercise rescission within 14 days if applicable
- 04
Step 4
File DFS complaint against the contractor if coercion occurred
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.
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
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.
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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