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Insurance Consumer Advocate


Contact Us
Mailing: 200 East Gaines St.
Tallahassee, FL 32399-0308

For Consumer Assistance:
Contact the Division of
Consumer Services within the
Department of Financial Services

Online at
Consumer Services
Toll-free in Florida
Out of State
(850) 413-3089
(850) 413-3033

Public Records Requests

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Assignment of Benefits

An assignment of benefits (AOB) is a legal tool that allows a third party to be paid for services performed for an insured homeowner who would normally be reimbursed by the insurance company directly after making a claim. AOB is commonly used when a homeowner experiences a water loss – such as a leaky pipe, an overflow from a sink, or a damaged appliance – and contacts a contractor or water remediation company for assistance. Most AOB agreements presented to the homeowner allow the contractor to stand in the shoes of the homeowner for insurance collection purposes. Some argue that this legal arrangement allows unscrupulous contractors to overinflate or submit improper claims, causing legal battles between the contractor and the insurance company, with the consumer left out of the picture.


2016 Legislation
House Bill 671 - Prohibited Property Insurance Practices
Sponsor: Doug Broxson
Status: Did Not Pass

house committees
    Original Filed Version
Insurance & Banking
Government Operations Appropriations
Regulatory Affairs Yes  


Senate Bill 1248 - Prohibited Insurance Practices
Sponsor: Miguel Diaz de la Portilla
Status: Did Not Pass

senate committees
    Original Filed Version
Banking and Insurance
Committee Substitute 1
Appropriations on General Government


House Bill 1097 - Insurance Claims
Sponsor: Matt Caldwell (R)
Status: Did Not Pass

house committees
    Original Filed Version
Insurance & Banking Subcommittee
Regulatory Affairs Committee


Senate Bill 596 - Assignment or Transfer of Property Insurance Rights
Sponsor: Dorothy L. Hukill (R)

Status: Did Not Pass

senate committees
    Original Filed Version
Banking and Insurance


Industry Data Call - 2015

The Insurance Consumer Advocate’s office is monitoring this issue for advocacy action and asked the fifteen highest-writing homeowner insurance companies in Florida to provide claims data information in an effort to target the issue and the impact it has on the Florida consumer. The links below include a Request for Information to these companies, a template for company data input and a certification statement verifying the accuracy of the responsive data. The Insurance Consumer Advocate remains committed to collaboratively work with all interested parties on this issue to develop an advocacy and policy strategy that is in the best interest of the Florida consumer.


News Articles and Press Releases

09/19/2016 Citizens: Water Loss Claims, Litigation Behind 6.4% Homeowners Hike Best's News Service
09/19/2016 State lawmaker calls Citizens rate hike ‘slap in face’; 9% in PBC OK’d Charles Elmore - Palm Beach Post
09/19/2016 Florida Regulators Approve Rate Increase for Citizens Policyholders Amy O'Connor - Insurance Journal
09/18/2016 Rate hikes for Citizens insurance approved Associated Press - Florida Today
09/16/2016 Citizens Insurance wins 6.4 percent increase in property premiums Michael Moline - Florida Politics
09/16/2016 Citizens rates to rise up to 10 percent in South Florida Ron Hurtibise - Sun Sentinel
09/16/2016 Insurance will cost more; regulators approve Citizens rate hike Nancy Dahlberg - Miami Herald
09/16/2016 Takeaways from Tallahassee - Seems like only Peter was on vacation Peter Schorsch - Florida Politics
09/16/2016 Florida’s worst consumer rip-off Scott Johnson - Tallahassee Democrat
09/02/2016 Consumer Protection Coalition calls for reforming Assignment of Benefits abuse in 2017 Session Peter Schorsch - Saint Peters Blog
09/02/2016 Florida Commissioner: Assignment of Benefits Problem Needs to Be Handled in Surgical Way Thomas Harman - AM Best
08/30/2016 Editorial: Florida water scam is soaking consumers, must be plugged Palm Beach Post
08/30/2016 Agents ask regulators to check solvency of Citizens takeout firm Charles Elmore - Palm Beach Post
08/28/2016 POINT OF VIEW Local claims, not Miami-Dade’s, drive Citizen premiums Palm Beach Post
08/19/2016 Insurance Regulators Take Up Major Rate Requests Nick Evans - WFSU
08/19/2016 Citizens pitches rate hike as water claims rise My Panhandle WMBB
08/11/2016 State's largest insurer withdraws 8.1 percent rate-hike request for South Florida Ron Hurtibise - Sun Sentinel
07/26/2016 Citizens Implements $1.8M Estimate Review Program for Florida Water Loss Claims Amy O'Connor - Insurance Journal
07/25/2016 Despite lack of hurricanes, claims abuse driving up Citizens insurance premiums in Florida Christian Camara - R Street.org
07/25/2016 POINT OF VIEW Assignment of benefits - Florida’s worst consumer rip-off Scott Johnson - Palm Beach Post
07/22/2016 Battling Back Against the Use of AOBs in Water-Related Claims Maria Elena Abate - Claims Management
07/19/2016 Citizens hires company to review water damage repair estimates, negotiate lower invoices Ron Hurtibise - Sun Sentinel
07/19/2016 Citizens Insurance to spend $1.8M for investigating water damage claims Lloyd Dunkelberger - Saint Peters Blog
07/18/2016 Karlinsky: Assignment of benefits bills not approved in session, still a 'major issue' Carrie Salls - Florida Record
07/01/2016 POINT OF VIEW Contractor took advantage, now trying to soak my insurer Eleanor Posner - Palm Beach Post
06/30/2016 After a spike in water damage claims, Citizens changes policy Nancy Dahlberg - Miami Herald
06/23/2016 Citizens Board approves 2017 rates Florida Trend
06/23/2016 Florida's Citizens Says AOB Abuse to Blame for Statewide Rate Increase of 6.8% Amy O'Connor - Insurance Journal
06/22/2016 Citizens Signs Off On Possible Rate Hikes Jim Saunders - News Service of Florida
06/22/2016 Thanks to non-weather related claims, Citizens Property Insurance board approves 6.8 percent average rate hike Jeff Harrington - Tampa Bay Times
06/20/2016 Citizens seeks steep rate hikes in South Florida Ron Hurtibise - Sun Sentinel
06/20/2016 Citizens Seeks Rate Hikes Over Water Claims Jim Turner - News Service of Florida
06/08/2016 State flags insurer's proposed assignment of benefits restrictions Ron Hurtibise - Sun Sentinel
06/07/2016 Departing insurance commissioner warns South Florida to solve insurance claims crisis Ron Hurtibise - Sun Sentinel
05/24/2016 Water claims forum aims to quell rising insurance rates Ron Hurtibise - Sun Sentinel
05/18/2016 Ever heard of an AOB? Well it is costing your insurance rates to rise Jackie Callaway - ABC Action News
05/16/2016 Fraud prompts rate increases and new rules for Citizens Insurance customers Adam Winer - ABC Action News
05/13/2016 Changes Coming For Citizens Policy Holders News Service of Florida
05/10/2016 Former ICA: Florida’s Assignment of Claims System Needs Mending Best News Service - John Weber
05/10/2016 Citizens insurance: Big changes July 1 could cost you if you ignore Palm Beach Post - Charles Elmore
05/10/2016 Citizens alerting policyholders of new claims restrictions Sun Sentinel - Ron Hurtibise
05/10/2016 Citizens Implements Contract Changes to Address Florida Water Losses Insurance Journal
05/06/2016 Mitigation Firms Play Havoc With Florida Homeowners Market AM Best Insurance News and Analysis
05/05/2016 Clearwater insurance CEO takes aim at lawyers Margie Manzel - Tampa Bay Business Journal
05/03/2016 Florida’s McCarty: Assignment of Benefits Issue Undermines Progress on Rates Best's Insurance News and Analysis
05/03/2016 Special Report: Execs Warn of Impending Florida Market Crisis Over Water Loss Claims Amy O'Connor - Insurance Journal
04/28/2016 Florida Regulators Approve Policy Language Aimed at Limiting “Assignments of Benefits” Claim Practice Cozen O'Connor - Lexology
04/20/2016 Underwater: Cleaning up fraudulent water mitigation claims Brian S. Tenzer, Esq. - Property Casualty 360
04/19/2016 Citizens negotiating managed repair program Ron Hurtibise - Sun Sentine
03/25/2016 Florida homeowners, be wary of losing insurance policy rights under certain repair contracts Letter to the Editor - Bradenton Herald
03/24/2016 Citizens Wants to Address the Rising Cost of Homeowners Insurance Coverage Shawn Nordstrom - Live Insurance News
03/23/2016 Insurers see a scam, critics see an excuse to raise rates John Romano - Tampa Bay Times
03/21/2016 Commentary: Florida's Failure to Pass AOB Reforms Will Impact State Insurance Market William Stander - Insurance Journal
03/20/2016 Letter: Florida homeowners lost in legislative session Letter to the Editor - Tallahassee Democrat
03/16/2016 Citizens Insurance: Limit "weaponized" water claims to 10k under plan Charles Elmore - Palm Beach Post
03/16/2016 Citizens Warns of 'Crisis' on Claims Issue Jim Turner - News Service of Florida
03/16/2016 Citizens: Let's ask governor to investigate water claims, insurance rate hikes Ron Hurtibise - Sun Sentine
03/14/2016 Homeowners Lose as Florida Legislature Allows AOB Lawsuit-For-Profit Scheme to Fester William Stander - Claims Journal
03/14/2016 Insurance rates set to rise as legislature fails again to enact reform Ron Hurtibise - Sun Sentinel
03/11/2016 Florida Property And Casualty Association Says Thank Legislature For AOB Inaction Drew Wilson - Florida Politics
03/10/2016 Private insurers confirm that claims abuses have led to higher costs and rates Insurance Business America
03/08/2016 Florida Assignment of Benefits, Ridehsaring Bills Approaching Dead End Amy O'Connor - Insurance Journal
03/04/2016 Citizens Insurance: Records shed new light on water-claims 'crisis' Charles Elmore - Palm Beach Post
03/02/2016 Report: Florida Water Claims up 46 Percent in 5-Year Period Amy O'Connor - Insurance Journal
03/01/2016 Senate Committee Passes Assignment-of-Benefits Reform in Water Damage Insurance Claims Phil Ammann - Florida Politics
02/24/2016 Assignment of benefits rules in need of reform Adam Hasner - Sun-Sentinel
02/24/2016 Senators delve into insurance controversy Jim Turner - The Tampa Tribune
02/24/2016 Senators try 'herding' lobbyists to address insurance issue Daniel Ducassi and Christine Sexton - POLITICO Florida
02/17/2016 Assignment Of Benefits Bill Postponed; Insurers Group Urges Action Janelle Irwin - Florida Politics
02/12/2016 Citizens Launches 'Call Citizens First' Campaign to Combat Florida Abuse Insurance Journal
12/7/2015 Most insurers fail to respond to state advocate's request for water damage data Ron Hurtibise - Sun Sentinel
10/13/2015 Consumer advocate challenges insurers on water damage claims Ron Hurtibise - Sun Sentinel


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