Pre-Loss
Assignment of Benefits (AOB) in Florida Explained
What AOB does, why Florida reformed it in 2019, and why you should not sign one without a cooling-off period.
What AOB does, why Florida reformed it in 2019, and why you should not sign one without a cooling-off period.
Pre-loss
Why this matters before you have a claim
AOB transfers your claim rights to a contractor. They negotiate and get paid directly. Abused heavily before 2019 reform. Now restricted under FS 627.7152 with specific language requirements and 14-day rescission.
What to do
The basics
- 01
Step 1
Never sign an AOB on the spot
- 02
Step 2
Take at least 48 hours to review
- 03
Step 3
Consult a licensed public adjuster or attorney
- 04
Step 4
If already signed, exercise 14-day rescission if within window
- 05
Step 5
File DFS complaint if contractor used coercion
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.
Know the traps
Common mistakes
- XSigning post-storm in the driveway
- XSigning without reading
- XNot exercising rescission rights
- XAssuming AOB is the same as a repair contract (it is not)
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
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.
Go deeper
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Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
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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