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

February 14, 2025 2 min read Insurance

Important update: This article has been replaced by our current, comprehensive guide: Florida AOB in Restoration: The 2026 Reality.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.
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Florida AOB (Assignment of Benefits) in Restoration: The 2026 Reality
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May 21, 2026 · 6 min read

Florida AOB (Assignment of Benefits) in Restoration: The 2026 Reality

Assignment of Benefits is effectively prohibited in Florida for property insurance restoration. Senate Bill 2A (December 2022) made AOBs void for any policy issued on or after January 1, 2023. Here is what changed, the narrow pre-2023 exception, and what restoration contractors and homeowners use instead.

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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.

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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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