Sign the Petition

I’m asking the Florida Legislature to act now to reign in AOB abuse and protect consumers. Pass meaningful legislation to curb AOB abuse before it gets even worse.

Stop Scams on Florida Homeowners

Join the fight by signing the petition today!

Protect Your Rights as a Homeowner

For most Floridians, our home is our biggest and most important investment. But Assignment of Benefits (AOB) abuse – and the high insurance rate increases it is causing – is quickly making home ownership more expensive for many working families. Assignment of Benefits involves transferring your home insurance policy benefits to a home repair vendor or lawyer after an emergency, such as a plumbing leak or roof problem, with the expectation they will help you. But the systematic exploitation of this system by some has led to an explosion of fake or inflated claims, lawsuits and rapidly rising insurance premiums you’re on the hook for.

Check out this video from FloridaWins to learn how fraud makes your insurance (and everyone else's) more expensive!    

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%

Increase

in Florida AOB lawsuits since 2000.

Yes, seriously - 90,000%.

At-a-Glance

Here's what you need to know:
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What and Where?

Assignment of Benefits (AOB) abuse and lawsuits, happening in Florida (particularly concentrated in South Florida).

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Who (causes it)?

Shady repair firms (that may not even be licensed) that team up with trial lawyers.

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Who (is affected by it)?

AOB fraud and abuse is a threat to home ownership and everyone with homeowners insurance is impacted. When fraudulent claims and lawsuit costs increase, so do your premiums. You can read stories about how AOB abuse is affecting your neighbors here.

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How (does it happen)?

The shady repair firm convinces you to sign over your benefits for "convenience." They team up with a trial lawyer to file an inflated claim with your insurer.

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How (does it hurt you)?

When you sign broad AOBs, you sign away the rights of the policy you purchased and paid for – leaving you vulnerable to the contractor inflating the claim, and a trial lawyer suing your own insurance company (sometimes without your consent or knowledge).

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What (can we do about it)?

The Florida Legislature has strong data supporting this growing problem, and it’s time to pass meaningful reforms that protect consumers and stop the abuse. This session, we’re asking lawmakers to protect Florida homeowners and pass meaningful legislation, without which Floridians may see the dream of home ownership become less affordable. That’s where you come in.

Join the Team

& help protect consumers in Florida

PARTNERS

Who is working to help protect Florida's consumers?

Florida Chamber of Commerce Consumer Federation of the Southeast Florida Roofers and Sheet Metal Contractors Association Associated Builders and Contractors Florida Justice Reform Institute Florida Association of Realtors Florida Bankers Association Florida Retail Federation Latin American Association of Insurance Agencies Council of Property Claims Professionals Florida Property and Casualty Association Florida Insurance Council Personal Insurance Federation of Florida Florida Association of Insurance Agents Property Casualty Insurers Association of America Professional Insurance Agents of Florida National Association of Mutual Insurance Companies Citizens Property Insurance Corporation Florida Surplus Lines Association Blank

PARTNERS

Who is working to help protect Florida's consumers?

Florida Chamber of Commerce
Consumer Federation of the Southeast Florida Roofers and Sheet Metal Contractors Association Associated Builders and Contractors Florida Justice Reform Institute Florida Association of Realtors Florida Bankers Association Florida Retail Federation Latin American Association of Insurance Agencies Council of Property Claims Professionals Florida Property and Casualty Association Florida Insurance Council Personal Insurance Federation of Florida Florida Association of Insurance Agents Property Casualty Insurers Association of America Professional Insurance Agents of Florida National Association of Mutual Insurance Companies Citizens Property Insurance Corporation Florida Surplus Lines Association Blank
Assignment of Benefits Reform

Put a stop to home repair scams. Tell Florida lawmakers to protect homeowners by reforming Assignment of Benefits.

Assignment of Benefits Reform

Put a stop to home repair scams. Tell Florida lawmakers to protect homeowners by reforming Assignment of Benefits.

   Check out this video from FAIA to learn how fraud makes your insurance (and everyone else's) more expensive!