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Contractor Warning

Warning about Predatory Insurance Claims Contractors

Assignment of Benefits.
On July 1, 2019, Florida passed the "Assignment of Benefits Reform Bill." Here's everything you need to know about what it means for public adjusters, attorneys, and homeowners. In short, it prevents contractors from using language in their contracts that assign insurance benefits from homeowners to the contractor directly. Ultimately, the  AOB Reform Bill is great news for Ask An Adjuster customers because it protects the people we serve—you!

Why the Bill was necessary.
Some predatory contractors tell homeowners that assigning benefits to them will expedite the process of repairs and prevent the homeowner from owing money out of pocket. They will take unnecessary lawsuits to the insurance companies and take the settlement money from themselves, often without even telling the homeowner about the lawsuit. Meanwhile, the insurance company will inflate the homeowner’s costs in the form of higher premiums and deductibles. A lot of the time, homeowners don’t realize what’s happening because the contractors are careful to use specific language in their contracts that assign them benefits from the insurance company. That’s where the Assignment of Benefits Reform Bill comes in.

As of July 1, 2019, contractors are no longer allowed to use language in their contracts that will allow them to sue insurance companies without the homeowner’s knowledge, or collect benefits from the insurance company. In other words, it protects homeowners from predatory contracting companies and stipulates that public adjusters (like Ask An Adjuster) and attorneys are the only parties allowed to negotiate with the insurance company. This bill is an important step in putting an end to the rising costs of property insurance that come as a result of the fraudulent lawsuits and bad practices by predatory contractors. It means more protection for you when you need it most.

Where Ask An Adjuster Comes In.
Our goal at Ask An Adjuster Claims Adjusting is to keep you informed at every step of the process in filing an insurance claim so that we can get you the settlement you deserve and get the repairs your property needs as quickly as possible. Our Licensed Public Adjusters have all been through a rigorous licensing process to ensure that they’re well educated about the laws governing property insurance and claims submission. We know how to help you get the best result with your insurance company. We’re the only licensed professionals legally allowed to represent you with your insurance company.

The AOB Reform Bill makes it harder for predatory contract companies to take advantage of you and makes it easier for licensed public adjusters like Ask An Adjuster to provide you with the very best service available.

Have you been approached by a contractor offering to “handle” your insurance claim? If they are not licensed as a Public Adjuster, they may be charged with a felony. So, if you're considering hiring a contractor for insurance claims, it won't be a wise move. Instead, a licensed public adjuster of Ask An Adjuster can help you in this regard and make sure to get you the settlement you deserve for your damage. Call Ask An Adjuster today for more information and to ensure your rights are protected.

News on AOB

Daniel Schreist, a Volusia County contractor that was arrested and charged for acting as a Public Adjuster.

Click on the Court documents below for more information:

Frequently Asked Questions (FAQ)

Can a public adjuster work as a contractor or vice versa in the state of Florida?

Ans: By law, a public adjuster can not work as a contractor or vice versa, in the state of Florida. However, a public adjusting company can refer construction companies to clients for rebuilding their damaged property.

Call Ask An Adjuster Claims Adjusting today and let us handle your insurance claim.
(844) 277-4306
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Don't take our word for about how satisfied our customers are!

“Curtis Parry and the staff at Ask An Adjuster worked tirelessly to help us fight for what we were owed for damages from Hurricane Matthew. I will continue to recommend their services to all my friends, family and clients.”

  • Kellie Bowling


“After you performed a free roof inspection, you agreed to represent the association on a contingency basis, there would be no cost to the association if you were not successful and this was an easy decision for us. In less than 60 days, your expert team of engineers, negotiators and insurance experts, assisted us in our insurance company awarding us an additional $500,000 cash!"

  • Ann Campbell

    Waterside Village Condominium Association
    Sunrise, Florida

“Thank you for a job well done. We tried to handle the claim ourselves, but without Ask An Adjuster, we would not have been able to restore the value to our property.”

  • Wendy Philips

    Continental Group Incorporated
    on behalf of Sunpointe Springs Condominium
    Sunrise, Florida

Why choose Ask An Adjuster Claims Adjusting?

Our state of the art Thermal Imaging Inspection helps find hidden damage you didn’t know was there.

Regardless if you have submitted a claim or not, we can review your property or current claim.


We specialize in all types of property claims including storm, water, fire, lightning, tornado, sinkhole, appliance leaks, plumbing damage and more..


If we aren’t successful, our inspections, estimates, submissions, and communications cost you nothing.


Our adjusters work hard to restore our communities for its business owners and residents.

Our Ask An Adjuster team consists of professionals from all backgrounds, working together to assist you.


Not satisfied with your settlement? Want a second opinion?

Fill out the form to the right and one of our qualified professionals will get back with you to set up an appointment. Our inspection is free and you don't pay unless we are successful with a recovery!

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