Resources

Videos, infographics, and materials for reference

Shameless: Trial Lawyers Solicit 'Last Call' for AOB Lawsuits

Video

Check out this outrageous new video by Orlando trial lawyer Harvey Cohen, the self-proclaimed inventor of Florida’s current AOB phenomenon. In the video, Cohen calls on vendors to send in as many AOBs as possible for litigation before the new AOB reform law takes effect July 1.

  • From: Consumer Protection Coalition
Watch at YouTube

Letter to Lawmakers: Frances Dicostanza

Supporting Documents

Victim of AOB abuse Frances Dicostanza shares her story with Florida lawmakers to urge lawmakers to take action this legislative session to prevent AOB abuse from harming others.

  • From: Consumer Protection Coalition
Download PDF

Victim of AOB Abuse: Kathryn Marie Wallace

Video

Consumer Protection Coalition released video testimonials of real consumers who have been victimized by Assignment of Benefits (AOB) abuse and who urge lawmakers to take action this legislative session to prevent AOB abuse from harming others.

  • From: Consumer Protection Coalition
Watch at YouTube

Victim of AOB Abuse: Anonymous

Video

Consumer Protection Coalition released video testimonials of real consumers who have been victimized by Assignment of Benefits (AOB) abuse and who urge lawmakers to take action this legislative session to prevent AOB abuse from harming others.

  • From: Consumer Protection Coalition
Watch at YouTube

Contractor Speaks Out on AOB: Paul Huszar

Video

Paul Huszar, president and CEO of VetCor, says companies don’t need to use Assignment of Benefits to get paid for insurance claims.

  • From: Consumer Protection Coalition
Watch at YouTube

Victim of AOB Abuse: Novena Grills

Video

Consumer Protection Coalition released video testimonials of real consumers who have been victimized by Assignment of Benefits (AOB) abuse and who urge lawmakers to take action this legislative session to prevent AOB abuse from harming others.

  • From: Consumer Protection Coalition
Watch at YouTube

AOB Lawsuits Increase for 8th Year

Supporting Documents

A New Florida Justice Reform Institute Report demonstrates how AOB abuse continues to result in significant costs for consumers, all for the benefit of a few attorneys and repair vendors.

  • From: Consumer Protection Coalition
Download PDF

Assignment of Benefits Update: 2018 Data

Supporting Documents

For the eighth consecutive year, AOB lawsuits make up more than half of all litigation filed against insurers statewide. In 2018, 18% more AOB lawsuits2 were filed than in 2017. If you compare 2018 to 2008 numbers, the percentage change is over 900%

  • From: Florida Justice Reform Institute
Download PDF

Floridians Supporting a Legislative Fix to AOB Abuse March to Capitol

Video

State Senator Doug Broxson (R-Gulf Breeze) today led more than 125 supporters of Assignment of Benefits (AOB) reform in a march to the state Capitol to call for an end to abusive AOB practices that are harming Florida consumers by increasing the cost of home and auto insurance.  

  • From: Consumer Protection Coalition
Watch at YouTube

Senator Broxson Takes the Lead on AOB Reform

Video

Helping lead the charge on Assignment of Benefits (AOB) abuse is Senator Doug Broxson, Chair of the Senate Banking and Insurance Committee. This week he discusses the adverse effects of AOB abuse, and the bill he is proposing to put an end to it.  

  • From: Florida Chamber of Commerce
Watch at YouTube

Victim of AOB Abuse: Jasmin Tolbert

Video

Consumer Protection Coalition released video testimonials of real consumers who have been victimized by Assignment of Benefits (AOB) abuse and who urge lawmakers to take action this legislative session to prevent AOB abuse from harming others.

  • From: Consumer Protection Coalition
Watch at YouTube

Contractor Speaks on AOB Abuse

Video

Warren Black of Rytech water damage restoration says companies that use Assignment of Benefits to take control of homeowners’ insurance policies and inflate the cost of repairs give the entire industry a black eye.

  • From: Consumer Protection Coalition
Watch at YouTube

Former Florida Supreme Court Justice Speaks on AOB Abuse

Video

Justice Kenneth Bell says AOBs are not needed to repair damages and are creatively being used to benefit a very few number of attorneys and vendors who are not licensed contractors.

  • From: Consumer Protection Coalition
Watch at YouTube

Stopping Home Repair Scams Starts With Understanding How They Work

How Assignment of Benefits (AOB) Claim Abuse Happens

  • From: Personal Insurance Federation of Florida
Download PDF

AOB Glass Claim Abuse Rewards Few at the Expense of Many!

How Assignment of Benefits (AOB) Glass Claim Abuse Happens

  • From: Personal Insurance Federation of Florida
Download PDF

Florida's Assignment of Benefits Crisis

Supporting Document

Runaway litigation is spreading, and consumers are paying the price.

  • From: Insurance Information Institute
Download PDF

CFO Patronis: Beware of AOB Abuse

Video

If you suffered damage from Hurricane Michael, beware of repair damage scams. Some contractors may ask you to sign a document called an Assignment of Benefits. You might be signing over control of your insurance claim. Before you sign anything, call your agent, your agency or call us – 1-877-MY-FL-CFO. Don’t let this hurricane damage you twice.

  • From: Consumer Protection Coalition
Watch at YouTube

Victim of AOB Abuse: Hassan Nazari

Video

Consumer Protection Coalition released video testimonials of real consumers who have been victimized by Assignment of Benefits (AOB) abuse and who urge lawmakers to take action this legislative session to prevent AOB abuse from harming others.

  • From: Consumer Protection Coalition
Watch at YouTube

Victim of AOB Abuse: Barbara G

Video

Consumer Protection Coalition released video testimonials of real consumers who have been victimized by Assignment of Benefits (AOB) abuse and who urge lawmakers to take action this legislative session to prevent AOB abuse from harming others.

  • From: Consumer Protection Coalition
Watch at YouTube

Victim of AOB Abuse: Darleen Masturzo

Video

Consumer Protection Coalition released video testimonials of real consumers who have been victimized by Assignment of Benefits (AOB) abuse and who urge lawmakers to take action this legislative session to prevent AOB abuse from harming others.

  • From: Consumer Protection Coalition
Watch at YouTube

Victim of AOB Abuse: Charles and Wendy Snellgrove

Video

Consumer Protection Coalition released video testimonials of real consumers who have been victimized by Assignment of Benefits (AOB) abuse and who urge lawmakers to take action this legislative session to prevent AOB abuse from harming others.

  • From: Consumer Protection Coalition
Watch at YouTube

Hitting the Airwaves with Warning

Radio

Consumer Protection Coalition hits the airwaves warning Floridians of growing AOB scheme.

  • From: Consumer Protection Coalition
Listen

March for AOB Reform

Video

Florida Association of Insurance Agents and Consumer Protection Coalition members march for AOB reform at Florida's Capitol.

  • From: Consumer Protection Coalition
Watch at YouTube

AOB Awareness Week

Video

Consumer Protection Coalition Launches AOB Awareness Week

  • From: Consumer Protection Coalition
Watch at YouTube

House Moves Fast to Protect Florida Consumers

Video

Representative Jay Trumbull discusses how the Florida House is taking action to fix the AOB epidemic early in the 2018 Legislative Session.

  • From: Consumer Protection Coalition
Watch at YouTube

AOB Lawsuit Scam Raising Florida Home Insurance Rates Alert

Consumer Alert

Share this alert with family, friends, and colleagues to make sure they are protected!

  • From: Consumer Protection Coalition
Listen

Protecting Your Pocketbook

Supporting Document

A quick guide on how to avoid falling victim to Assignment of Benefits abuse.

  • From: Consumer Protection Coalition
Download PDF

Assignment of Benefits Legal Service of Process Data

Supporting Document

The data provided in these graphics is directly from the Department of Financial Services’ Legal Service of Process Portal. This data focuses solely on property/casualty insurance company lawsuits filed between 2006 and 2016.

  • From: Department of Financial Services
Download PDF

Restoring Balance in Insurance Litigation

Supporting Document

An Update on the Abuse of Assignments of Benefits and its Correlation with One-Way Attorney’s Fees

  • From: Florida Justice Reform Institute
Download PDF

AOB Press Conference

Video

Press conference on April 6, 2017 to discuss how the growing abuse of Assignment of Benefits (AOB) and cost of pending litigation are hurting Florida insurance consumers.

  • From: Consumer Protection Coalition
Watch at YouTube

AOB Press Conference

Video

Press conference on April 6, 2017 to discuss how the growing abuse of Assignment of Benefits (AOB) and cost of pending litigation are hurting Florida insurance consumers.

  • From: Consumer Protection Coalition
Watch at YouTube

AOB Fraud

Video

Florida's property insurance rates are some of the highest in the country. Why? This video explains why your property insurance bill is higher... and what you can do about it.

  • From: Action 9
Watch at YouTube

Fraud, Rates and Risk

Video

Florida's property insurance rates are some of the highest in the country. Why? This video explains why your property insurance bill is higher... and what you can do about it.

  • From: Florida Wins
Watch at YouTube

AOB Reform Makes Pocket Sense

Infographic

Ever wonder what premiums would look like with AOB reforms? Find out what's been estimated for Broward, Dade and Palm Beach counties, wrapped into a handy infographic.

  • From: Citizens
Download PDF

A Growing Scam on Consumers

Infographic

Here are five things you need to know about Assignment of Benefits abuse, wrapped into a handy infographic.

  • From: Personal Insurance Federation of Florida
Download PDF
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

Video

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

  • From: Florida Association of Insurance Agents
Watch at Facebook

How Assignment of Benefits Drives Up the Cost of Residential Insurance

Infographic

Learn how litigation increases your premium costs!

  • From: Florida Property Casualty Association
Download PDF

Assignment of Benefits Fact Sheet

Fact Sheet

Assignment of benefits is a legal tool that allows a policyholder to direct their insurance company to pay a vendor directly for work performed to repair damage to a home or other property. However, in recent years, unscrupulous trial lawyers and vendors have used AOB to inflate claims and file costly lawsuits against insurance companies, driving up the cost of insurance for homeowners.

  • From: Personal Insurance Federation of Florida
Download PDF

Assignment of Benefits Fact Sheet

Fact Sheet

A white paper containing potential solutions that limit the scope of an assignment of benefit for the protection of insurers and consumers with low cost of implementation.

  • From: Council of Property Claims Professionals
Download PDF

Assignment of Benefits in Insurance After a Loss

Video

Do not make this costly mistake after you have had a loss to your property!

  • From: American Traditions Insurance Company
Watch at YouTube