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Insurance Consumer Advocate

Sha'Ron James

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

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(850) 413-3089
(850) 413-3033

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Assignment of Benefits


A water loss claim is a claim filed by a consumer for a non-weather related incident in their home that involves water damage. This may occur through a leaky pipe, overflown sink, or even a faulty appliance unit. During the claims process, the consumer can maintain control by managing the payments between any third party vendor making repairs to the home and the insurance company. Alternatively, the consumer can contract with the third party to take control of the claims process partially or fully, leaving the consumer out of the claims situation. 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 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.




2018 Legislation


SB 0062

Senate Bill 0062: Assignment of Property Insurance Benefits
Sponsor: Hukill
Status: Withdrawn


senate committees
    Original Filed Version
Banking and Insurance    

SB 0256

Senate Bill: Property Insurance
Sponsor: Farmer
Status: Did Not Pass


Senate committees
    Original Filed Version
Banking and Insurance    

SB 1168

Senate Bill: Insurance
Sponsor: Steube
Status: Withdrawn


Senate committees
    Original Filed Version
Banking and Insurance Yes Committee Substitute 1
Judiciary Yes Committee Substitute 2


HB 7015

House Bill 7015: Property Insurance Assignment Agreements
Sponsor: Trumbull, Grant
Status: Withdrawn


House committees
House Yes (82 Yeas / 20 Nays) Original Filed Version
2017 Legislation

HB 1421

House Bill 1421: Property Insurance Assignment Agreements
Sponsor: J. Grant and Plasencia
Status: Did Not Pass


house committees
    Original Filed Version
Insurance & Banking Yes
Commerce Yes



SB 1038

Senate Bill 1038: Assignment of Property Insurance Benefits
Sponsor: Hukill and Passidomo
Did Not Pass


house committees
    Original Filed Version
Banking and Insurance  

SB 1150

Senate Bill 1150: Regulation of Water Damage Restorationreements
Sponsor: Artiles
Status: Withdrawn from Further Consideration


house committees
    Original Filed Version
Regulated Industries    
Banking and Insurance  

SB 1218

Senate Bill 1218: Property Repair
Sponsor: Farmer
Did Not Pass


house committees
    Original Filed Version
Banking and Insurance Yes
Regulated Industries    
2016 Legislation

HB 671

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  

SB 1248

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

HB 1097

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


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

SB 596

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


2015 Industry Data Call

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


11/02/2018 Safe-To-Sign Assignment Of Benefits (AOB) Agreements Are Helping Hurricane-Stricken Homeowners Joe Puentes - PRWeb
10/18/2018 Regulators, Industry Seek to Keep Florida AOB Abuse In Check After Michael Amy O'Connor - Insurance Journal
09/10/2018 Insurance Commissioner David Altmaier: AOB Abuse Continues to Threaten Floridians Florida Office of Insurance Regulation
09/10/2018 Jimmy Patronis Wants to Hold Roundtables With Citizens Property Insurance Corporation Florida Daily
09/03/2018 CONSUMER ALERT: Understand What You Are Signing During Tropical Storm Gordon Recovery Florida Office of Insurance Regulation
09/2018 After the Storm, Read the Fine Print to Avoid Signing Away Your Insurance Benefits National Association of Insurance Commissioners
07/25/2018 State Farm Seeks to Shield 'AOB' Information Jim Saunders - Sunshine State News
07/23/2018 Unprepared Floridian insurers face crisis after new AOB precedent set: Demotech Charlie Wood - Reinsurance News
07/19/2018 How the Florida Insurance Industry Hopes to Rein In AOB Crisis Amy O'Connor - Insurance Journal
06/17/2018 Beware of abuse of your insurance policy this hurricane season: Guestview Mark Wilson - Pensacola News Journal
06/13/2018 Florida Restoration Contractor Arrested Over $140K AOB Fraud Scheme Insurance Journal
06/12/2018 Polk contractor arrested for fraud & racketeering, accused of preying on families after tropical weather events Kimberly C. Moore - News Chief
06/04/2018 Fla. group warns owners about assignment-of-benefits fraud Florida Realtors
06/04/2018 Mark Wilson: Consumer Protection Coalition warns Floridians to beware of AOB abuse this hurricane season Mark Wilson - Florida Politics
04/25/2018 Florida Legislature Will Regret Failing to Tackle AOB Abuse Ray Lehmann - Insurance Journal
03/26/2018 Consumer Protection Coalition releases new video in AOB fight Peter Schorsch - Florida Politics
03/21/2018 Legislators leave us vulnerable to harm Logan McFaddin - Miami Herald
03/14/2018 Florida insurance abuse spiraling out of control: Guestview Liam Sigaud - Pensacola News Journal
03/11/2018 POINT OF VIEW: AOB lawsuit-for-profit scheme can’t be ignored William Stander - Palm Beach Post
03/09/2018 Lawmakers fight over ways to curb 'assignment of benefits' abuse Jackie Callaway - ABC Action News
03/05/2018 What Is An AOB? Christel Silver - Boca Newspaper
03/02/2018 Heritage Insurance seeking hefty rate hikes, blames claims fraud Rob Hurtibise - Sun Sentinel
02/06/2018 Senators back ‘assignment of benefits' measure The News Service of Florida - News 4 Jax
01/10/2018 Florida Appeals Court, Regulator Reject Policy Language Aimed at Curbing AOB Abuse Amy O'Connor - Insurance Journal
01/09/2018 Lawmakers to take one other stab at ending claims abuses blamed for charge hikes Kaplan Herald
01/09/2018 Don't fall for the 'insurance scam' charade | Letters Lawrence Kopelman - Sun Sentinel
01/09/2018 Florida Insurers Identify AOB Abuse, Auto Safety as Two of Top Priorities for 2018 Legislative Session Insurance News
01/07/2018 Lawmakers to take another stab at ending claims abuses blamed for rate hikes Ron Hurtibise - Sun Sentinel
12/07/2017 More bad news for homeowners: Largest insurer raising rates 9.9 percent Ron Hurtibise - Sun Sentinel
12/06/2017 Florida Court Rejects Property Insurer’s Effort To Limit Assignment Of Benefits Carlton Fields - JD Supra
12/04/2017 Court rules against insurer on ‘assignment of benefits’ Florida Politics
11/15/2017 Bill aimed at reducing insurance claims abuses advances in state House Ron Hurtibise - Sun Sentinel
11/07/2017 AOB Abuse Tops Agenda at Florida Chamber Insurance Summit Christian Camara - Insurance Journal
11/02/2017 Florida homeowners need break from assignment-of-benefits lawsuits | Opinion Harold Kim - Sun Sentinel
11/02/2017 Florida Chamber Insurance Summit tackles industry’s hottest topic, AOB abuse Peter Schorsch - Florida Politics
10/31/2017 Florida Insurers brace for possible onslaught of assignment-of-benefits cases Michael Carroll - Florida Record
10/30/2017 Contractors consider compromise in assignment of benefits battle Michael Moline - Florida Politics
10/27/2017 Insurers share blame for billing disputes, increased lawsuits, lawmakers say Ron Hurtibise - Sun Sentinel
10/25/2017 Federal Judge finds post loss assignment of benefits proper under Pennsylvania law Butler Weihmuller Katz Craip LLP - JD Supra
10/24/2017 Action 9: Home repair contracts spin out of control Todd Ulrich and Gerry Mendiburt - WFTV 9 ABC
10/24/2017 Senate committee considers sending AOB disputes to mandatory arbitration Michael Moline - Florida Politics
10/24/2017 FL Senators Weigh Assignment of Benefits Changes Nick Evans - WFSU
10/23/2017 What Could Raise Hurricane Irma’s Costs? Letting Contractors Handle Claim Nicole Friendman and Leslie Scism - The Wall Street Journal
10/12/2017 House insurance chairman hopes to take up AOB, workers’ comp reform again Michael Moline - Florida Politics
10/10/2017 Contractor tells lawmakers Universal among 'bad' insurers that delay, underpay, force lawsuits Ron Hurtibise - Sun Sentinel
10/09/2017 Beware of signing away insurance money to restoration companies Beau Zimmer - WTSP
10/06/2017 Fla. assignment-of-benefits woes take 'extremely painful' toll on insurer Tim Zawacki - S&P Global Market Intelligence
10/03/2017 Bill would allow inspections of windshield damage The News Service of Florida
09/20/2017 MEDIA ADVISORY: Avoiding Unlicensed Contractors Following Hurricane Irma Property Casualty Insurers Association of America
09/20/2017 Hurricane Irma victims could face fight between insurers, contractors Gray Rohrer - Orlando Sentinel
09/18/2017 Florida officials warn about insurance fraud after Irma Phil Buck - WTSP
09/15/2017 Assignment of Benefits Legislation in Florida JD Supra
09/13/2017 Florida Watches for AOB Abuse as Irma Recovery Begins Amy O'Connor - Claims Journal
08/25/2017 Lawmaker ties insurance limits with lower rates Jim Turner - The News Service of Florida
08/21/2017 Insurer, regulator work to cap spiraling claims costs Ryan Smith - Insurance Business America
08/21/2017 Florida OIR approves Citizens request to limit coverage on non-weather claims Caterina Pontoriero - Property Casualty 360
08/18/2017 David Altmaier focuses on `assignment of benefits’ changes News Service of Florida
08/17/2017 Citizens blames hefty county rate hike on questionable lawsuit claims Charles Elmore - Palm Beach Post
08/17/2017 Why Florida’s home insurance rates could double Lyle Adriano - Insurance Business America
08/16/2017 Why Florida insurers could double homeowners' rates Ed Leefeldt - CBS News
08/16/2017 Citizens' change OK'd: Use our contractors or face $10,000 water coverage cap Ron Hurtibise - Sun Sentinel
07/25/2017 AOB fraud: An unchecked, growing problem in Florida Phil Buck - WTSP
07/19/2017 Commentary: Insurers protecting their bottom line in Florida Jeff Grant - News-Press
07/19/2017 Florida Insurers Place All Options on Table to Address AOB Abuse Amy O'Connor - Insurance Journal
07/19/2017 Excess Capacity in This Year’s Florida Market: Part V; Assignment of Benefits Crisis: Lara Mowery Lra Mowery - GC Capital Ideas
07/18/2017 Two different approaches to the Assignment of Benefits Issue Sean Shaw - Property Insurance Coverage Law Blog
07/07/2017 Florida’s Citizens CEO Gilway Responds to Claims About Managed Repair Program Barry Gilway - Insurance Journal
07/07/2017 Down…But, Not Out! Zelle LLP - JD Supra
07/06/2017 Opinion: Floridians Will Pay More For Less Under Citizens Managed Repair Program Donald Phillips - Insurance Journal
07/06/2017 Action 9 exposes delays in insurance claim payments WFTV
07/05/2017 Parametrics could hedge re/insurers Florida AOB exposure Luke Gallin - Reinsurance News
06/28/2017 Oh No, Not Again! Assignment of Benefit Reform Failed. Now What? Jason B. Wolf - Daily Business Review
06/25/2017 POINT OF VIEW: Citizens claims insurance managed repair a conflict Don Phillips - Palm Beach Post
06/23/2017 Editorial: Don't delay any longer in cracking down on insurance abuse Orlando Sentinel
06/22/2017 Contractor cons raising home premiums in South Florida Coalition Against Insurance Fraud
06/22/2017 Citizens to policyholders — 'Take it or leave it' | Opinion Don Phillips - Sun Sentinel
06/22/2017 South Florida homeowners insured by Citizens Property face 10% increase Rosalie L. Donlon - Property Casualty 360
06/21/2017 As Rain Falls in Florida, Assignment of Benefits is Getting Costly Mike Vasilinda - Capitol News Service
06/21/2017 Citizens Blames Rate Hikes On Water Claims The News Service of Florida
06/21/2017 Florida’s Citizens Approves Policy Changes, 5.3% Statewide Rate Increase for 2018 Insurance Journal
06/21/2017 As Predicted, South Florida May See Insurance Rates Increase Ann Howard - The Capitolist
06/21/2017 Insurer asks for 8.4% hike for commercial lines Timothy Montales - Insurance Business
06/20/2017 Florida Families Need Rick Scott to Champion Assignment of Benefits Reform Nancy Smith - Sunshine State News
06/20/2017 Citizens Property Insurance Seeks Rate Hike, Blames Water Claims WGCU
06/20/2017 Biggest Citizens rate hikes aim at S. Fla. as contractors oppose plan Chalres Elmore - Palm Beach Post
06/20/2017 Citizens Insurance targets South Florida with steep rate hikes Ron Hurtibise - Sun Sentinel
06/20/2017 That drip, drip, drip you hear is the cost of your homeowners insurance rising Mary Ellen Klas - Miami Herald
06/20/2017 Abuses Force Citizens' to Increase Rates in 3 South Florida Counties Sunshine State News
06/15/2017 We must tackle assignment of benefits problem – state CFO Timothy Montales - Insurance Business
06/15/2017 Reinsurers in Florida advised caution over AOB epidemic: Hiscox Re Marianne Lehnis - Reinsurance News
06/15/2017 A.M. BestTV: Assignment of Benefits Issue Drives Florida Claims Costs Higher Business Wire
06/15/2017 Insurance Commissioner Calls For Assignment Of Benefits Changes Nick Evans - WFSU News
06/14/2017 Atwater: Florida must tackle insurance 'assignment of benefits' problems Jim Saunders - Orlando Sentinel
06/13/2017 With Assignment of Benefits Fraud Key in Florida Homeowners, Citizens Projects $85M Loss Next Year AM Best
06/07/2017 Action 9 exposes contractor taking thousands from many homeowners WFTV 9 ABC
06/07/2017 Consumers paying for Florida legislature’s inaction on Assignment of Benefits (AOB) ‘scams’ W.J. Kennedy - Florida Record
05/31/2017 Citizens Property's underwriting profit sinks to new Q1 low amid water woes S&P Global
05/30/2017 Homeowners insurance cost on the rise in Florida Bryan Anderson - NBC 2
05/29/2017 Citing fraud, Florida insurers raise property insurance rates Laura Layden - News-Press
05/28/2017 Rate rollbacks aren't answer to insurance troubles | Letters Logan McFaddin - Sun Sentinel
05/26/2017 Editorial: Lawmakers ignore insurance mess Tampa Bay Times
05/15/2017 Editorial: Require property insurance rate cuts in Florida fraud reform: Guest editorial South Florida Sun Sentinel - Orlando Sentinel
05/14/2017 Could leak detection systems help end water claims crisis? Ron Hurtibise - Sun Sentinel
05/12/2017 ‘House of cards’ Beth Luberecki - Business Observer
05/09/2017 Florida Lawmakers Once Again Fail to Pass AOB Claims Reform Amy O'Connor - Insurance Journal
05/09/2017 State gives insurers higher rate hike than they requested Ron Hurtibise - Sun Sentinel
05/06/2017 Florida Chamber and allies unload on Senate for skipping AOB reform this year Saint Peters Blog
05/05/2017 How false water-damage claims are reaching crisis levels in Florida Property Casualty 360
05/05/2017 PIP, worker’s comp, AOB bills stall as session ends Charles Elmore - Palm Beach Post
05/05/2017 Property insurance claims must be sorted out | Editorial Sun Sentinel Editorial Board - Sun Sentinel
05/03/2017 Assignments of Benefits and SB 1218 Christine A. Gudaitis - Daily Business Review
05/03/2017 Florida lower house bids to alleviate AOB abuses Allie Sanchez - Insurance Business
05/02/2017 Florida’s Insurance Test The Wall Street Journal
05/02/2017 Must-pass workers’ compensation, AOB reform languishing in Legislature Michael Moline - Florida Politics
05/02/2017 Call insurer Citizens ‘AOB Refugee Fund of Florida,’ amendment says Charles Elmore - Palm Beach Post
05/01/2017 Florida Senate urged to reform attorney fee awards in property disputes Florida Business Daily
04/28/2017 Grant: Big insurance companies protecting their bottom lines Jeff Grant - Tallahassee Democrat
04/27/2017 Florida House Advances Bill Targeting Claims Abuse, But Senate Battle Looms Amy O'Connor - Insurance Journal
04/26/2017 House backs ‘assignment of benefits' changes News Service of Florida
04/26/2017 Florida House approves assignment of benefits reform legislation Saint Peters Blog
04/26/2017 R Street Institute applauds passage of AOB reform by Florida House David Bahr - R Street
04/26/2017 Fla. House ready to pass home insurance bill, Senate another story Charles Elmore - Palm Beach Post
04/26/2017 A Florida law grants license to STEAL Evan Williams - Florida Weekly
04/25/2017 ACI in the News-Press: Insurance Fraud From Skyrocketing Consumer Prices Steve Pociask - The American Consumer Institute Center for Citizen Research
04/25/2017 House assignment of benefits reforms move closer to final vote Michael Moline - Saint Peters Blog
04/25/2017 Insurance claims bill advances in House, but Senate not cooperating Ron Hurtibise - Sun Sentinel
04/21/2017 Home insurance premiums must be brought under control Steve Pociask - News-Press
04/21/2017 Insurance agents expecting to write more South Florida policies with state-run Citizens Ron Hurtibise - Sun Sentinel
04/19/2017 Assignment of Benefits abuse driving up cost of home, car insurance in Florida Jackie Callaway - ABC Action News
04/19/2017 Not yet dead: Insurance claims reform bill advances in state House Ron Hurtibise - Sun Sentinel
04/19/2017 House assignment of benefits bill clears final committee, headed to floor Michael Moline - Florida Politics
04/12/2017 Time running out in Legislature for insurance reform Ron Hurtibise - Sun Sentinel
04/10/2017 Insurers reach out to Gov. Scott as AOB fight grow testy Charles Elmore - Palm Beach Post
04/08/2017 Editorial: Insurance abuse driving rates up Ocala Star Banner
04/06/2017 Coalition: AOB Fraud and Abuse in Florida Demands Solution This Session Sunshine State News
04/06/2017 OUR VIEW: Florida must restrain insurance abuse The Daytona Beach News-Journal
04/06/2017 Insurance industry frustrated by lack of progress in Legislature Jeremy Wallace - Tampa Bay Times
04/06/2017 Florida Launches AOB Resource, Education Webpage for Consumers Insurance Journal
04/05/2017 Thursday Editorial: Property insurance fraud is just the latest scam to hit Florida The Florida Times-Union
04/04/2017 Florida lawmakers taking aim at assignment of benefits agreements David Hutton - Florida Record
04/03/2017 Senate AOB reform bill bars insurers from charging litigation costs to customers Michael Moline - Florida Politics
04/01/2017 Free-roof insurance scam plagues Florida homeowners Carrie Salls - Florida Record
03/30/2017 State run insurer has first loss since 2005—blames water loss and litigation Allie Sanchez - Insurance Business
03/30/2017 Insurer Citizens posts first loss since 2005 after $181M goes offshore Charles Elmore - Palm Beach Post
03/30/2017 Citizens Seeks Florida Agents’ Help Fighting Water Claims Abuse Amy O'Connor - Insurance Journal
03/29/2017 Citizens blames litigation increase for $27 million net loss in 2016 Ron Hurtibise - Sun Sentinel
03/29/2017 Citizens Posts Net Loss of $27M for 2016; Says Water Losses, AOB Abuse to Blame Insurance Journal
03/23/2017 Consumer Protection Coalition launches ad on Assignment of Benefits claims Drew Wilson - Florida Politics
03/23/2017 Commentary: Bill helps weed out dishonest contractors who misuse Assignment of Benefits contracts George Ebersold - Orlando Sentinel
03/21/2017 Wednesday's letters: Assignment of benefits, Abuse drives up insurance William Large - Tampa Bay Times
03/20/2017 Maria Wells: Assignment of Benefits — A growing problem for Florida families Maria Wells - Florida Politics
03/16/2017 Florida insurers keep A grades after consolidation, Demotech says Charles Elmore - Palm Beach Post
03/15/2017 Heritage, South Florida's No. 3 insurer, reports 63 percent profit drop Ron Hurtibise - Sun Sentinel
03/15/2017 Capitol Reax: AOB reform, workers compensation, medical marijuana, gun bills Florida Politics
03/15/2017 Wall Street Journal op-ed highlights assignment of benefits abuse Peter Schorsch - Saint Peters Blog
03/15/2017 Florida Bill on Assignment of Benefits Retains Attorneys' Ability to Collect Fees Best's News Service
03/14/2017 William Large: Florida must end assignment of benefits abuse, self-serving windfalls William Large - Florida Politics
03/14/2017 AOB reform passes House subcommittee, but it wasn’t pretty Michael Moline - Florida Politics
03/14/2017 Bill to address insurance claims abuses advances Ron Hurtibise - Orlando Sentinel
03/11/2017 Letter To The Editor: End home repair contract abuse Miami Herald
03/10/2017 Blaming claims abuses, property insurers seek steep rate increases in South Florida Ron Hurtibise - Sun Sentinel
03/09/2017 Florida AOB crisis flares as groups game system: study Ted Bunker - The Insurance Insider
03/08/2017 House version of claims reform bill omits one-way attorney fee ban Ron Hurtibise - Sun Sentinel
03/07/2017 Demotech-rated Fla. property insurers added millions in paid-in surplus S&P Global
03/07/2017 Florida justice-reform report details continued growth in assignment of benefits Rebecca Campbell - Florida Record
03/06/2017 Insurance companies have plenty to worry about as Legislative Session opens Michael Moline - Saint Peters Blog
03/05/2017 Florida Justice Reform Institute president: AOBs are problematic to insurance policyholders, insurance companies Nicholas Gueguen - Florida Record
03/02/2017 Insurance issues loom large on Legislature's agenda Ron Hurtibise - Sun Sentinel
03/02/2017 Policyholders pay for assignment of benefit abuse | Opinion Chris Gardner - Sun Sentinel
03/02/2017 Sun Sentinel Quotes Joe Ligman of Ligman and Moskowitz, PLLC Digital Journal
03/01/2017 Attorneys fees protected in rival insurance claims reform bill Ron Hurtibise - Sun Sentinel
02/28/2017 Florida Senator Introduces Bill to Address Assignment of Benefits Abuse Best's News Service
02/28/2017 First Florida Bill Addressing AOB Introduced for 2017 Session Amy O'Connor - Insurance Journal
02/24/2017 Assignment-of-benefits urgency builds as March approaches S&P Global
02/24/2017 Attorneys: Restrictions to legal fees in insurance claims cases would be challenged Ron Hurtibise - Sun Sentinel
02/23/2017 Insurance losses demand action from state lawmakers: Where We Stand Orlando Sentinel
02/22/2017 HCI Chief Says Florida Lawsuit Rate Reaches 35% in Assignments of Benefits Problem Area AM Best Insurance News and Analysis
02/22/2017 Action 9 investigates hidden insurance rate hikes Todd Ulrich & Gerry Mendiburt - WFTV 9 ABC
02/22/2017 Crisis? Maybe, but top FL insurer says severity of AOB claims falling Charles Elmore - Palm Beach Post
02/21/2017 UPC Chief: Insurers Must Fight Assignment of Benefits Problem in Florida Best's News Service
02/21/2017 Sen. Nelson: Demotech downgrades risk mass FL homeowner ‘disaster’ Charles Elmore - Palm Beach Post
02/20/2017 Demotech Suspends Florida Insurer Rating Criteria Insurance Journal
02/20/2017 Florida AOB Abuse Update: ‘Alarming Trend’ Reaches Crisis Point Amy O'Connor - Insurance Journal
02/17/2017 Fight against insurance claims abuses takes aim at attorneys fees Ron Hurtibise - Sun Sentinel
02/17/2017 Legislation introduced in Senate would tighten protections against AOBs Michael Moline - Florida Politics
02/17/2017 Jeff Brandes Files Bill to Curb Insurance Fraud Allison Nielsen - Sunshine State News
02/16/2017 St. Pete lawmaker wants to get tough on insurance fraudsters Janelle Irwin - Tampa Bay Business Journal
02/16/2017 Editorial: Water claims spell trouble for Florida property insurance market Tampa Bay Times
02/16/2017 Lobbyist’s blog post gets tongues flapping among Tallahassee’s lobbyist set Michael Moline - Florida Politics
02/15/2017 Demotech suspends written financial guidance for Florida property insurers Florida Trend
02/15/2017 Drive for assignment of benefits reform picks up steam Florida Politics
02/15/2017 Heat Is on Florida Lawmakers to Fix Assignment of Benefits Crisis Amy O'Connor - Insurance Journal
02/14/2017 Thousands of Florida mortgages could be at risk because of insurance abuse Mary Ellen Klas - Miami Herald
02/13/2017 Florida Justice Reform Institute calls for assignment of benefits changes Russell Boniface - Florida Record
02/13/2017 Report points to problems with AOBs, and a way around one proposed fix Michael Moline - Florida Politics
02/13/2017 Fla. property market 'slow-motion train wreck' may trigger Citizens repopulation S&P Global
02/10/2017 Contractors And Property Insurers Expect To Clash Over Attorney Fee Law Sarah Mueller - WFSU
02/09/2017 Florida’s AOB Abuse by the Numbers: ‘Alarming Trend’ Reaches Crisis Point Amy O'Connor - Insurance Journal
02/08/2017 Florida Insurance Commissioner Wants Some Relief For Insurance Companies Sarah Mueller - WLRN
02/08/2017 Florida property insurers face ratings downgrades Ron Hurtibise - Sun Sentinel
02/08/2017 Another Viewpoint: Florida Chamber strikes right tone on insurance reform Daily Commercial
02/07/2017 Demotech Suspends Florida Insurer Rating Criteria; Says Downgrades Coming Amy O'Connor - Insurance Journal
02/07/2017 Insurance Office going after one-way attorney fees in AOB fight Michael Moline - Florida Politics
02/05/2017 Editorial: Time to bring water damage claims abuse under control Eleanor Roy - Palm Beach Post
02/03/2017 Opinion: The Insurance Industry’s Image Problem & How They Can Fix It Amy O'Connor - Insurance Journal
02/03/2017 Leaky pipe problems pose risk to Florida homeowners insurance Mary Ellen Klas - Tampa Bay Times
02/03/2017 Florida Legislature should seize opportunity to enact needed insurance reforms R Street News
02/02/2017 Florida Chamber meeting in Miami to take on state’s insurance woes Michael Moline - Saint Peters Blog
02/02/2017 Florida CFO: We arrest 4 a day, but few referred on water claims Charles Elmore & Susan Salisbury - Palm Beach Post
02/02/2017 South Florida’s leaky pipe problem poses risk to homeowners insurance Mary Ellen Klas - Miami Herald
02/02/2017 Jeff Atwater delivers frank advice at Chamber’s Insurance Summit Michael Moline - Saint Peters Blog
01/31/2017 State insurance commissioner addresses chamber Clayton Park - The Daytona Beach News-Journal
01/26/2017 Friday Editorial: Insurance reform leads agenda of Florida Chamber Times-Union Editorial Board - The Florida Times-Union
01/23/2017 Storms, water claims shake insurance market — but Post guide can help Charles Elmore - Palm Beach Post
01/11/2017 House panel stages civilized discussion of assignment of benefits reform Michael Moline - Florida Politics
01/11/2017 House Insurance & Banking Subcommittee The Florida Channel
01/10/2017 Senate Banking and Insurance Committee The Florida Channel
01/10/2017 Contractors mount defense of assignment of benefits agreements Michael Moline - Florida Politics
01/10/2017 FL Insurance Commissioner Weighs In On Water Loss Claims, Assignment Of Benefits Nick Evans - WFSU
01/10/2017 South Florida lawmaker wants proof of insurers’ claims of abuses Ron Hurtibise - Sun Sentinel
01/10/2017 Debate Heats Up Over Property Insurance Claims CBS Miami
12/22/2016 Unlicensed Miami Public Adjuster Arrested Following $100,000 Fraudulent Water Claims Scam CFO Atwater's Press Office
12/14/2016 Insurance group joins compaign for assignment-of-benefits reform Florida Politics
12/13/2016 Top Florida Stories of 2016: The AOB ‘Insurance Crisis’ Amy O'Connor - Insurance Journal
12/08/2016 State-owned Citizens Insurance numbers might rise Jim Turner - The Ledger
12/08/2016 Florida’s Citizens to Lawmakers: AOB Reform Must be Passed in 2017 Insurance Journal
12/07/2016 Citizens Insurance seeks to eliminate 'one-way' attorneys fees when suits include assignments Ron Hurtibise - Orlando Sentinel
12/07/2016 Water Claims Could Lead to More Citizens Policies Jim Turner - News Service of Florida
12/07/2016 Citizens Insurance chief sees ‘absurd’ rise in litigation expenses Michael Moline - Florida Politics
11/09/2016 Heritage CEO: Failure to Enact Assignment of Benefits Reform Affected Florida Election Best's News Service
11/02/2016 Home older than 40? Insurer slaps cap on water claims Charles Elmore - Palm Beach Post
10/26/2016 Insurance regulators provide additional details of legislative priorities Michael Moline - Florida Politics
10/25/2016 David Altmaier outlines legislative priorities at insurance conference Michael Moline - Florida Politics
10/24/2016 Roofing contractor accused of defrauding homeowners and insurance out of almost $1 million Jackie Callaway - ABC Action News
10/21/2016 Understanding How Insurance Policy Conditions Apply When There is an Assignment of Benefits Timothy Engelbrecht - JD Supra
10/10/2016 Citizens Insurance, regulators warn of fraud post-Hurricane Matthew Michael Moline - Saint Peters Blog
10/10/2016 Citizens Warns Florida Policyholders of AOB Scams in Wake of Hurricane Matthew Insurance Journal
10/07/2016 Repair scams a certainty after Hurricane Matthew, insurers warn Paul Brinkmann - Orlando Sentinel
10/07/2016 Why are Citizens Property Insurance policyholders statewide paying for a 'water claims' crisis in south Florida? Jeff Harrington - Tampa Bay Times
10/04/2016 Homeowner sues insurance company over alleged deceptive practices Lindsey Sablan - WINK News
09/30/2016 Citizens insurance vows to keep fighting for law restricting water claims benefits Ron Hurtibise - Sun Sentinel
09/28/2016 Citizens Insurance juggles incentives in managed repair program Michael Moline - Florida Politics
09/28/2016 Citizens Insurance fears being left in lurch during workers’ comp fight Michael Moline - Florida Politics
09/28/2016 Citizens vows to keep seeking 'assignment of benefits' changes News Service of Florida - News 4 Jax
09/27/2016 Citizens' ongoing non-weather water woes overshadow Hermine claims Tim Zawacki - SNL Financial
09/27/2016 Citizens Insurance braces for third-party Hermine claims Michael Moline - Florida Politics
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
07/19/2016 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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