According to the Division Consumer Services of Florida, An AOB is an agreement that, once signed, transfers the insurance claims rights or benefits of your insurance policy to a third party. A third party being a restoration company or contractor.

Roofing insurance claims for storm damage in Jacksonville, FL.

Once the AOB is signed, it gives the third-party authority to file a claim, make repair decisions, and collect insurance payments without any approval from the homeowner.

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A third party claiming that they will take care of everything if you sign the AOB, might sound nice but since 2000 there has been a 90,000% increase in AOB lawsuits due to misuse of AOBs by third parties.

In July 2019, Florida decided to finally step in and take action to help protect the insured. Under Fla. Stat. § 627.7152, third parties must meet certain criteria for the AOB to be effective. This new statue helps the consumer by giving strict guidelines that a third-party must follow, or the AOB can be voided by the insured.

baldwin logo on blueBaldwin Roofing Company continues to be one of the top roofing claims specialists in the Jacksonville and Tampa Bay Area. If you have an open roofing claim or want one of our expert Roof Examiners to come out and give you a FREE inspection, please call our office or send us an email at


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