Assignment of Benefits…The Agent Connection!

In case it’s not apparent, and even if it’s not welcomed, agents are on the front line of the Assignment of Benefits (AOB) fight. They (you) are who consumers turn to for advice after a loss. You are the ones who often have the opportunity, sometimes even the obligation, to assist with recovery efforts, particularly when it comes to avoiding fraud and/or unethical practices by remediators. [Read more…]

Assignment of Benefits…an explosion!!

As bad as things are with AOB, including yet another bad decision from the 1st DCA affirming that courts are powerless to protect consumers, it now appears the scam has launched into the stratosphere!  (See NOTE #1 below).

An explosion of abuse, and aggression from the abusers, has mushroomed property litigation to a point “..unthinkable a year ago”. [Read more…]

AOB…Best Laid Plans!

My plan for this report to be another on the AOB “blame game” was just preempted by the most recent in a series of hurtful court decisions. [Read more…]

AOB…The Blame Game II

This is the report I promised in my last report. My last report was about roofers and homeowners playing the Assignment of Benefits (AOB) “blame game”. Like that report, this one, including the end notes, is replete with information that may take some time to digest. Lots of links to documents, video’s and so forth. I apologize for that but, it’s necessary, I believe, to show my sources (when I can) and to provide a foundation for the conclusions and opinions herein. [Read more…]

AOB…The Blame Game!

Chatting recently with a Tallahassee realtor friend of mine I learned that homeowners in several upscale neighborhoods were getting new roofs. “For Free!” she said, excited about their good fortune and, I assumed, how it might help the Real Estate market, particularly the sale of older homes. [Read more…]

AOB Reform…Good & Bad News!

Last week’s bad news was disappointing but, not unexpected. Legislation reforming Assignment of Benefits (AOB) in 2015 is dead, having failed to even muster a hearing in the Senate Judiciary Committee chaired by Senator Miguel Diaz de la Portilla-R. The House version has languished in the Regulatory Affairs committee chaired by Representative Jose Felix Diaz-R. Neither committee is scheduled to meet again this session. 

Again, bad news. [Read more…]

AOB…the woods are on fire!

Soon after last year’s minor hail events in west-central Florida a small roofing contractor left his hometown in Polk County to set up temporary headquarters in a small strip mall just off of Highway 19, near Homosassa Springs. He began trolling the southern tip of Citrus County and neighborhoods like Sugarmill Woods knocking on doors, promising free roofs in exchange for the signing of a contract with an Assignment of Benefits (AOB) clause nestled surreptitiously within. “It’s necessary” confused locals were told “so we can inspect for possible hail damage you might not even know is there.”  

They always find damage. [Read more…]

AOB… an ugly iceberg!

Some say every insurance crisis inevitably traces back to a handful of lawyers and that abuse of Assignment of Benefits (AOB) is no exception. What I’ve recently uncovered seems to bear this out in mind-boggling terms.   [Read more…]

AOB & Roofers?!

Rapidly becoming Florida’s biggest residential insurance cost driver and once thought to involve mostly water extraction companies, abuse of AOB (Assignment of Benefits) has now metastasized into the roofing industry.

I use the phrase “roofing industry” loosely. The prime abusers don’t appear to be roofers at all but, fly-by-nighters, scammers and sometimes even criminals–with no experience, no license and, far too often… no conscience! [Read more…]

Rytech–A company agents can trust!

For months now you’ve been reading my posts on the rampant abuse of assignment of benefits (AOB)– mostly by emergency restoration companies, more specifically water extraction companies. You know how I feel about it and should know, therefore, how insurers, abused claimants, agents and even some public adjusters feel about it.

They don’t like it, nor do they believe anyone should sign a contract assigning the benefits of their insurance policy to someone else.

Insurance agents should be particularly interested in knowing which emergency restoration companies do not use AOB and which do not pay inflated plumber referral fee’s but make referrals based on quality of service and workmanship. [Read more…]