Skip to main content

Hurricane Season is Active - Is Your Property Protected?

Get a Free ERP Assessment
Crews Available Now - 24/7

Florida AOB Update: Assignment of Benefits Banned for Property Insurance (Replaced)

4.7 / 5 ★★★★★ Based on 425 Google Reviews
February 14, 2025 2 min read Insurance
Assignment of Benefits (AOB) in Florida Restoration: What You Need to Know

Important update: This article has been replaced by our current, comprehensive guide: Florida AOB in Restoration: The 2026 Reality. The short version:

Florida banned Assignment of Benefits for property insurance restoration claims. Senate Bill 2A, signed in December 2022 and effective January 1, 2023, made AOBs void and unenforceable for any residential property insurance policy and any commercial property insurance policy issued on or after that date. The vast majority of Florida property owners are now under post-ban policies.

What Replaced AOB

Restoration contractors and homeowners coordinate insurance claims through:

  • Direction to Pay: The carrier mails the claim check directly to the contractor. The homeowner keeps all claim rights and decision authority.
  • Standard contractor invoicing: The contractor invoices the homeowner, the homeowner submits to the carrier, the carrier pays the homeowner, and the homeowner pays the contractor.

What WrightWay Does

WrightWay does not use AOB on any Florida restoration claim. We provide Xactimate-formatted scope, photo and moisture documentation, and adjuster coordination. Homeowners retain all claim rights and the right to switch contractors at any point in the project.

For the full breakdown, including red flags after the ban and FAQs, see our current AOB guide. For 24/7 emergency restoration, call (941) 379-8669.

Disclaimer: WrightWay Emergency Services is not a public adjuster, and nothing in this article is a determination of coverage. Only your insurance adjuster or agent can determine what your specific policy covers. The points here are general suggestions based on our observations in the field, not professional insurance advice. Coverage varies by policy and carrier, and we have seen newer policies deny wind-driven rain claims. Always review your own policy and confirm coverage with your adjuster or agent before making decisions about a claim.
Share:

Related Articles

Related Restoration Services

Sewage Backup Cleanup

Learn more →

HVAC & Duct Decontamination

Learn more →

Restoration in Longboat Key – Water, Fire, Storm & Mold

Learn more →

Restoration in Captiva – Water, Fire, Storm & Mold

Learn more →

Serving All of Southwest Florida

Serving Southwest Florida

TampaSt. PetersburgClearwaterBradentonSarasotaNaplesFort MyersAll Locations
Google Reviews

What Our Customers Say

Google Reviews
4.7

Excellent Based on 425 reviews

Write a Review See All on Google
Patricia Mastrorilli
5 months ago

We had the best experience with Wrightway! We had a flooding incident from our AC system that seeped into the walls and under the laminate flooring. They were prompt, professional and did a great job drying out and cleaning up everything for us! We also had them do the repairs and we were 100% impressed with their work! Everyone we came in contact with in the office and into our home were respectful and knowledgeable. They worked with us on a great price! We can't say enough about a great experience during a stressful time! A special shout out to Alicia who was great to work with! Thank you all so much!

Verify on Google →
Madison Jones
10 months ago

Richie Correa with Wright Way was fantastic. He was punctual, efficient and educated me through the whole process of cleaning and sanitizing our air vents. Answered all my questions and was honest and knowledgeable with over 25 years experience. Highly recommend!

Verify on Google →
Russell Titus
3 months ago

Had a great experience with Wrightway. 3 weeks ago my townhouse had major water intrusion, wet drywall, and water everywhere. The HOA called them at 3pm and by 5pm the crew was onsite with dryers and tearing out the wet drywall. The techs wore shoe covers, were very professional, and made sure to cover and drape unexposed areas. Fernando the project lead called me every other day to keep me updated on the dry out and remediation. The had infrared moisture meters and some pretty high tech stuff. Fernando coordinated with the exterior work to fix the leak, and the interior drywall replacement. I have heard horror stories about remediation companies ripping people off, but this is absolutely not the case with Wrightway. They turned a horrible situation into nothing more than a mild inconvenience. 5 stars for everyone I came in contact with. Great job

Verify on Google →
Read More Reviews
Common Questions

Restoration Questions

Common timing, documentation, and service questions answered in a clearer format so owners and managers can make confident decisions faster.

Fast response guidance Insurance-aware answers Local service expectations

WrightWay Emergency Services is a full-service property restoration company headquartered at 300 Triple Diamond Blvd, Nokomis, FL 34275. We specialize in water damage restoration, fire and smoke damage cleanup, mold remediation, storm damage repair, and complete reconstruction for residential and commercial properties throughout Southwest Florida. Our IICRC-certified technicians and Florida-licensed contractors deliver 24/7 emergency response so you can get back to normal as quickly as possible.

WrightWay Emergency Services proudly serves Manatee, Sarasota, Charlotte, Lee, and Collier counties in Southwest Florida. Whether you are in Bradenton, Sarasota, Port Charlotte, Fort Myers, or Naples, our crews can reach you quickly for any emergency restoration need. Call us at (941) 379-8669 and we will dispatch a team to your location.

Yes. WrightWay Emergency Services operates around the clock, 365 days a year. Water damage, fires, and storms do not wait for business hours, and neither do we. Call (941) 379-8669 any time, day or night, and our emergency dispatch team will coordinate an immediate response to your property.

Absolutely. All WrightWay technicians hold certifications from the Institute of Inspection, Cleaning and Restoration Certification (IICRC), the industry gold standard for restoration professionals. We are also a Florida-licensed building contractor, which means we can handle every phase of your project from initial mitigation through final reconstruction under one roof.

Yes. WrightWay works with virtually every major homeowner’s and commercial insurance carrier. Our team prepares thorough documentation including photo evidence, moisture readings, and detailed estimates to support your claims process. We provide all the documentation your adjuster needs so you can focus on your family or business instead of paperwork.

Emergency Response

Need Emergency Restoration?

Our team is standing by 24/7 to help stabilize the property, document the loss, and move the job forward fast.

  • 24/7 live dispatch and emergency response
  • Insurance-ready documentation and coordination
  • Mitigation, contents, and rebuild under one roof
Call (941) 379-8669 Request Service