Floridians affected by Hurricane Irma are beginning the recovery process by notifying their insurance carriers and making repairs to their properties. We urge our policyholders who have experienced damage from Hurricane Irma to call Florida Peninsula Insurance Company first to protect themselves from fraud.
After natural disasters, it is not uncommon for fraudulent contractors to pray on those experiencing a loss. Contractors will go door-to-door soliciting repair and cleanup services to those in need. At times, these contractors may be out-of-town "storm chasers" who may not have the proper licenses to make the repairs they promise to deliver.
There is a high probability Assignment of Benefit (AOB) forms will be offered to policyholders when contractors go door-to-door soliciting business or making emergency repairs. When an AOB form is signed by a homeowner, they are assigning their rights under their homeowners insurance policy to the vendor, and allowing all payments to be made directly to the vendor for their repairs. The issue we continue to see throughout the state is AOB fraud, where crooked contractors and lawyers inflate the cost of repairs, charge a fee for handling the claim, and commit insurance fraud. At times, these repairs are not completed and the homeowner must pay out of pocket to finish the repairs, since the contractor has already claimed all the money from the insurance company.
While we understand it is tempting to begin repairs to your home as soon as possible, please do not sign any forms before speaking with Florida Peninsula or your agent.
Our claims representatives stand ready to assist our policyholders with the recovery process from Hurricane Irma. To report your claim, please call 877-994-8368.
If you suspect fraud, please report it immediately to the Department Financial Services at 877-693-5236. To report suspected fraud on a Florida Peninsula policy, call 866-923-5236. For more information on Insurance Fraud in Florida, click here.
At Florida Peninsula Insurance Company, our number one priority is the safety of you and your family. As such, we provide our insureds with a coverage rich policy, as well as offering flood protection and partnering with insurance professionals throughout the State who can ensure you have the coverage you need. To learn more about Florida Peninsula, please contact us at (877) 229-2244 or visit the Get a Quote section on our website.
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