An AOB (Assignment of Benefits) is a contract between you and a third party such as a contractor, roofer, or water mitigation company. When you sign an AOB, you are giving the third-party vendor the right to deal directly with your homeowners insurance carrier Citizens and receive payment for your claim. Essentially, you are giving up your rights to manage your claim and placing the third party in total control of reporting the amount of loss to your insurance company and negotiating payment.

 This is not to say all AOB contracts are fraudulent, but AOB abuse is on the rise each year and we encourage all homeowners to be aware of these crimes. The first step is to identify a fraudulent contractor. Here are some red flags:

  • Someone knocks on your door and tells you there is damage you didn’t know about.
  • You’re promised something for nothing, such as a free roof or kitchen renovation. 
  • Someone claims the damage is greater than it clearly is. 
  • Permanent repairs begin before your insurance company is notified or allowed to inspect damages.

These might seem like obvious signs, but when under a certain amount of pressure and the stress of making immediate repairs, these signs can be easily missed. The most important thing is to be knowledgeable about the damage in your home and contact your insurance company directly, so they may send a certified professional to your home for an inspection. Never leave your home in the hands of someone you feel you cannot trust.

By taking care of your own claim, it puts you in control and ensures your repairs are properly documented and completed in a timely manner, to your satisfaction. Never sign anything without speaking to your agent directly. To speak to one of our trusted agents, give us a call at 877-229-2244 today!