Assignment of Benefits (AOB)

Have you heard the term Assignment of Benefits? Do you know how it impacts you? An AOB is an agreement that, once signed, transfers the insurance claims rights or benefits of your insurance policy to a third party. An AOB gives the third party authority to file a claim, make repair decisions and collect insurance payments without your involvement. Consumers DO NOT need to sign an AOB to initiate repairs from Hurricane Irma and should be cautious of vendors and auto glass harvesters who pressure them to sign one before an insurer has the ability to inspect the damage. Read documents closely and find out who is responsible for paying the vendor – you or your insurance company. If you suspect fraud or suspicious activity, please call the Florida Department of Financial Services, Division of Consumer Services Insurance Consumer Helpline at 1-877-693-5236. To keep up to date on Consumer Protection Coalition activities, follow us on Twitter @CPC_FL and “like” our page at

Our Mission

FRACCA contractors lead the heating, ventilating, refrigeration and air conditioning industry by setting the highest standards of performance, service and safety. We serve our contractors by providing training, education and marketing in a professional manner to help our members grow and stay successful.