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Assignment of Benefits (AOB) in Florida Restoration: What You Need to Know

February 14, 2025 1 min read Insurance

What is Assignment of Benefits (AOB)?

An Assignment of Benefits (AOB) is a legal document that transfers your insurance claim rights to a third party : typically your restoration contractor. Under AOB, the contractor bills the insurance company directly, files supplements, and receives payment without the homeowner acting as the middleman. WrightWay Emergency Services does not use AOB : we bill homeowners directly and provide all documentation needed to support your insurance claim filing.

Florida’s 2023 AOB Reform

Florida’s 2023 insurance reform legislation (SB 2A) significantly changed AOB rules. Key changes include:

  • One-way attorney fees were eliminated for AOB claims
  • Carriers can now offer policies that restrict or prohibit AOB
  • Contractors must provide a detailed, itemized estimate before work begins

How WrightWay Handles Insurance

WrightWay works directly with your insurance company whether or not an AOB is involved. We provide Xactimate estimates in the format adjusters require, comprehensive moisture documentation, and direct communication with your carrier’s claims team. Our goal is to ensure you receive the full benefit of your policy without unnecessary out-of-pocket costs.

Learn more about our insurance claims assistance process or call (941) 379-8669.

Written by
WrightWay Emergency Services team member.
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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.

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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