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
Get a free claim review from a licensed Florida public adjuster.
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 later.
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.
Annual policy review? Open claim? Free consultation.
Licensed Florida public adjuster.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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.
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Related resources
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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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