Florida Heritage Insurance
27544 Cashford Circle, Suite 102
Wesley Chapel, FL 33544


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Fax: 866-383-3344

You paid for your Benefits. Shouldn’t you keep them???


What is an Assignment of Benefits?

An Assignment of Benefits (AOB) is a contract between you and a contractor (such as a plumber, water remediation firm, roofer, etc.) where you give the contractor control of your claims benefits. They file a claim for their services and direct the insurance to pay them directly.


What’s in it for the contractor?

Once you sign an AOB, you lose control of the direction of your claim. The contractor takes control, and can submit whatever they like to your insurance, sometimes billing the company two, three, four, five times going market rate for their services, and sometimes including work that was never performed. You don’t see this, and you can’t verify what they did.


What are the potential pitfalls in signing an AOB?

• You have committed to this contractor, and you have little to no recourse if you’re not satisfied with their work.

• You can no longer comparison shop if you are not satisfied with their work.

• Even if they walk off the job with their work incomplete, they can still claim compensation from the insurance company which gets deducted from your benefits.

• Both you, and the contractor, are still bound by the terms and conditions of the policy, and if the contractor violates those terms and conditions, those actions could potentially jeopardize coverage for your entire loss.


Abuse and Fraud:

This is where the age old mantra of “if it seems too good to be true, it probably is,” comes into play. Has the contractor done any of the following?

• Solicits a job from you unannounced for damages you didn’t even know were allegedly present?

• The contractor is offering you something for nothing, such as a free roof or kitchen?

• Wants to start work immediately and advises you to delay contacting your insurance company?

• Offered to “take care of” your deductible.

Any of these issues could potentially lead to a fraud investigation which could jeopardize your coverage.


Possible Litigation:

As mentioned above, there is no standard for what the contractor can submit to the insurance company, and if the company questions the scope and/or the pricing submitted by the contractor the company can be sued directly by the contractor. And while you may not be a party to this lawsuit, more likely than not you will end up being a witness.


What should you do if you have a claim?

Call the numbers below to get your claim started


Claims Phone Numbers

Allied/Nationwide 800-421-3535
American Integrity 866-277-9871
American Traditions 866-270-8430
Avatar 877-233-3237
Bankers Insurance Group P: 800-627-0000 x 4703 B: 800-627-000 x 4035
Citizens 866-411-2742
Edison 888-683-7971 Option 2
Elements/EPIC/Avatar 877-233-3237
Federated National 800-293-2532
Florida Peninsula 877-229-2244
Foremost 800-274-7865
Hamilton 866-391-9675
Hartford 800-243-5860
Heritage 855-415-7120 Option 1
Homeowners Choice 866-324-3138
Liberty Mutual 800-362-0000
Mercury 800-503-3724
MetLife 800-854-60111
Modern USA 866-270-8430
Mount Beacon 844-279-7314
National General 888-293-5108
Olympus 800-711-9386
Progressive 800-274-4499
Safeco 800-332-3226
Safe Point 855-252-4615
Seacoast Brokers 404-75-4400  
Security First 877-571-4862
Starr 866-954-9772
Southern Fidelity 866-722-4995
Southern Oak 877-900-2280
Tapco 800-334-5579
Travelers P: 800-252-4633 or B: 800-238-6225
Universal Property 800-470-0599
United Property & Casualty  888-256-3378
Vic toria/Titan/National General 800-926-3168 Option 1
Zurich/US Assure 800-800-3907
*American Bankers/Harleysville 800-759-8656
*Federated National 800-759-8656
*TypTap 844-289-7968
*UPC 800-759-8656
*Wright 727-777-7066